Does anyone know who would approve a non medical policy for a man age 50 and wife age 49 both have diabetes and take oral medication for it. Both controlled and not applied for insurance in the last 5 years. They both have life insurance through work but wanted another policy on there own. It can be a stand alone disability but, I think that will cost to much. They will also take a life insurance policy that has a disability rider attached. I don't know if its possible to have a non med with this or not. Any companies that would approve them non med or med will work. Who can I look into for this? Thanks for the help.