2Bob...I maybe misunderstanding you? but our Termlife insurance doesn't require any medical assessment(s); whereas our 24 hour income insurance does, (both racing licenced)...
Our termlife is with several companies, actually mine is with Commonwealth Bank, would have to go back through paperwork and files for partners.
Is that what you mean?
We receive termlife insurance info in mail all the time.....mainly through finance institutions, but we have adequate enough now, plus we insure our IP's with OAMPS brokers, they find nice insurance deals...maybe you could chat to an Insurance Broker?