Can people age 75 and over get whole life insurance coverage?

Yes, in fact, you may be able to get whole life insurance plans up to age 85 through some insurance companies.

However, most life insurance policies offered at that age are guaranteed issue, which means you cannot be turned down for coverage due to any health problems.

And, guaranteed plans do not require you to take a health exam, or answer any questions about your health.

However, these guaranteed issue whole life insurance plans usu...
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What is modified premium term insurance and how does it work?

Modified premium term life insurance is temporary life insurance protection that comes with premiums that change over time, on a regular basis.

Term life may provide coverage lasting for a period of up to thirty years, with options of 10, 15, 20, 25 or 30 year terms.

Modified term policies have premiums that change on a regular interval, usually every 5 or 10 years.

The change in your insurance premiums may increase or decrease each in...
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Is there life insurance I can purchase online?

Yes, in fact, more and more people are choosing to purchase their life insurance plans over the internet.

With the ease and speed of the internet, life insurance carriers are now making same-day life insurance plans available online.

That means you can apply online (safe and secure) for a life insurance policy, and begin your insurance the same day - if you qualify.

These quick-issue life insurance policies are available through several life insurers...

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If you're a senior looking for quality, affordable life insurance you may be wondering which life insurer is the best for older people.

There really is no one single life insurance carrier that's best for all senior citizens.

It really depends on you - your age, health, lifestyle, and the type of life insurance you need, as well as, the amount of insurance coverage you need.

Some insurance carriers are better at providing affordable plans  for people with certain health conditions like diabetes ...

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Can I get death insurance to cover the cost of my funeral expenses?

Yes, there are life insurance policies (also known as death insurance) that can provide the money needed for your loved ones to pay for your burial and funeral expenses.

Usually, these are whole life policies with guaranteed approval for anyone who meets the age requirement.

Since they offer guaranteed approval, there is no health examination required and no questions asked about your health.

The average cost of a funeral and bur...

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Can someone living with agoraphobia get insured for life insurance?

That depends. Your age and your health will impact your ability to get insured; as well as, the insurance company you apply to for your policy.

Some life insurance carriers may insure people with mental health illnesses and panic disorders, while others may not.

In addition, there are some guaranteed-acceptance life insurance policies available for anyone who meets the age requirements for approval. Some guaranteed plans are ava...

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Is there life insurance for people bound to a wheelchair?

Yes, there is life insurance available to people who are in a wheelchair.

However, several factors may impact your ability to get insured for life insurance.

Your age, health and management of your health issues will affect your ability to get insured.

In addition, there guaranteed life insurance policies available for anyone who meets the age requirements for acceptance.

For example, one highly rated life insurance company offers guarantee...

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Can people with poor health get insured for life insurance?

Yes, there are high risk life insurance companies offering fully underwritten life insurance, and there are life insurance carriers offering guaranteed issue life insurance.

Guaranteed life insurance means you will not be denied coverage due to any health issues, if you meet the age requirements for approval; for example, age 45 to 85.

Here's how to get life insurance for someone with poor health.


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What is the maximum amount of life insurance you can purchase without taking a medical examination?

That really depends on your age and your health.

In addition, the insurance company limit of non med life insurance will vary by life insurance company.

Some insurers may offer up to $50,000 of non med coverage, while one highly-rated insurer offers up to $3,000,000 of life insurance with no medical exam for healthy individuals.

And, you may purchase no medical life insurance policies from more tha...
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