For the guaranteed acceptance options discussed on the call, you will not be asked to take a medical exam. The agent will explain how underwriting works for the specific product.
Premiums are designed to stay level as long as you pay them on time, so your monthly cost does not go up simply because you get older. Confirm details and any exceptions with the licensed agent.
You speak with a licensed insurance professional who can compare suitable options and help you understand benefits, limitations, and next steps—before you decide on anything.