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Bill,

Have you tried your local INS agent? Before we received our Cedula, and signed up for CAJA, we had our medical insurance which included life insurance through INS - so perhaps they offer straight life insurance? Worth a try?

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Thank you for your reply

Yes I have talked with someone from INS. It requires a complete fiscal exam and could take moths to get the results. And the cost was something around $100 a month. There are other company's here in Costa Rica but they do not offer life insurance.

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We did not need a medical exam for the type of policy we got. Maybe a person to person INS visit in your town would be helpful? Then you won't be speaking to a salesman on the phone. Good luck with that.

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