Term life insurance policies usually requires the applicant for life insurance to take a health examination which is paid for by the insurance carrier.

Usually, you would need to take a life insurance health exam for any of the following reasons:

• Over Age 30
  
• Over $50,000 of Life Insurance
  
• Declined by Other Life Insurers
  
• Use Prescription MedicationUse Tobacco
  
• Have a Pre-Existing Health Condition
  
• History of Drug or Alcohol Abuse
  
• Poor Driving Record – DUI’s
  

Do you live in New York and need burial insurance coverage?

If so, you may have several options to choose form to get insured for burial insurance.

Today, residents of the state ion New York can buy guaranteed issue burial coverage without any health exam required, and without having to answer any questions about their health.

In fact, if you are between the ages of 45 to 85, and you can pay the premium, you can get up to $25,000 of guaranteed approval burial insurance coverage from an "A+" rate...

If I live in New York, can I shop for life insurance coverage online?

Yes, there are life insurance carriers in NY that offer online life insurance quotes and plans for residents of New York.

Since the insurance regulations for insurance carriers are more stringent in the state of New York, several insurers have set up their own life insurance companies specifically to do business in the state of New York.

Some of the leading providers of life insurance in NY include New York Life and John Hanco...

Can residents of New York state get life insurance plans with guaranteed approval?

Yes. In fact, one highly-rated insurer offers New York residents up to $25,000 of guaranteed issue life insurance coverage for people ages 45 to 85.

There's no physical exam required, no health questions asked, and you can't be turned down due to any pre-existing health condition.

If you meet the age requirements, and you can pay the premiums, then you can get insured for guaranteed plans.

Here's how to get guarant...

If you're shopping for life insurance you may have heard about guaranteed issue plans.

Is guaranteed issue life insurance protection right for you?

That depends. Many people who choose to buy life insurance with guaranteed approval have been turned down for coverage due to their age, health, lifestyle, or for some other reason.

Usually, a guaranteed life insurance policy is the last option for someone who needs life insurance protection because of the cost and the limited amount of coverage avai...

Yes, it may be possible for someone who has been diagnosed with cancer to purchase life insurance.

However, it will depend on the requirements for acceptance of the insurance company.

Several factors will be considered including your age, overall health, type of cancer, how you manage your cancer, your medication, chemotherapy, other treatments, prognosis, when you were diagnosed, etc.

And, if you are turned down for traditional life insurance policies, you may still be able to get insured with ...

Is it possible to buy life insurance that provides $5,000 of coverage?

Yes, these are smaller life insurance policies available, and they are usually offered to help provide funds for final expenses, including the cost of a funeral and a burial.

These life insurance plans are permanent life insurance policies that build cash value and provide a death benefit.

Usually, smaller life insurance plans are offered to seniors between the ages of 45 to 85 with guaranteed acceptance, which means you can'...

If you haven't planned for your burial and funeral (final expenses) yet, you may be considering the purchase of a funeral insurance policy.

But, where can you buy a funeral insurance plan?

Today, there are several insurance carriers that offer funeral expense policies you can get online.

Some of the leading providers of funeral plans include United of Omaha, Colonial Penn and Met life, among others - and they all offer free quotes you can request online to find out how much your funeral insuranc...

Do you want to purchase a death insurance policy?

If so, there are several options of coverage to choose from including term insurance, permanent insurance, and final expense plans which pay out a death benefit to your beneficiary upon your death.

Many people choose to buy a small life insurance policy to cover the cost of their final expenses, if they don't have the money saved to pay for their end of life expenses, including the cost of a funeral and burial.

Here's how to buy death insurance c...