Yes. There are a number of non-medical life insurance policies available.
With a number of companies, you can smoke one cigar per month and still be considered a non-smoker.
Yes, you are the owner of your policy and can cancel at any time.
There are many, you can use term life insurance to protect your future earnings, to cover your mortgage, or to provide for children’s education in the event of an untimely death. Rates are affordable and it can be converted to permanent life insurance at a later date.
You can change your beneficiary at any time, you may also appoint a minor as long as you include a Trustee of legal age.