Yes, there are life insurance companies that offer coverage for people in poor health.

These plans are usually called guaranteed issue or graded benefit life insurance policies.

Some insurance carriers that may offer guaranteed life insurance plans include Colonial Penn, AARP/NewYork Life, Mutual of Omaha and Globe Life.

Usually, the full life insurance coverage is not available until you have been insured by the policy for at least 2 years. If you die before 2 years have passed since you bought...
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I am a 60 year old healthy woman. I am a Non smoker and non drinker.

I was recently refused a life insurance policy. I have allergies, and asthma. Where can I get life insurance?

If you have been denied life insurance, you may have other health issues you are not aware of at this time. You can contact the life insurance company that denied you coverage and ask why you were declined, what specific reason(s).

However, even though you were denied life insurance, you may still be ...
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What is guaranteed acceptance life insurance?

Guaranteed acceptance life insurance is a type of life insurance plan that will accept applicants without a health exam, as long as they meet the age requirements.

Some guaranteed life insurance plans only offer coverage for people ages 45-80. Usually, there are no medical exams, the amount of life insurance may be limited based on your age and health, and the rate is very high compared to life insurance that does not guaranteed acceptance.

In additi...
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