Getting life insurance for seniors with poor health can be more challenging, but it's not impossible. Here are some steps to help you in the process:

1. Assess your needs: Determine why you need life insurance. Consider factors like final expenses, outstanding debts, or leaving a financial legacy for your loved ones. Understanding your needs will help you determine the appropriate coverage amount.

2. Research insurance companies: Look for insurance companies that specialize in providing coverage for ...

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Life insurance policies with no medical exam and no health questions asked are commonly referred to as "guaranteed issue" or "simplified issue" life insurance. Here's an explanation of how these policies work and who may benefit from them:

1. Application process: When applying for guaranteed issue life insurance, you don't need to undergo a medical exam or answer health-related questions. Instead, you provide basic personal information such as age, gender, and contact details. The application i...

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Is there life insurance for people with bad health?

Yes. In fact, there are life insurance policies available that guarantee your approval for coverage.

These plans are called "Guaranteed Issue", and they guarantee you may purchase up to $25,000 of life insurance protection.

What's the catch?

You need to be between 45 to 85 years of age to qualify for coverage.

And, your death benefits are usually limited the first two years you are insured. This is called "Graded Benefits".

That's how the insuranc...

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What is a health class for life insurance?

It's a classification that is developed for each applicant for life insurance which is one factor used in determining the rate applied to an applicant's life insurance policy.

Your health is one of the main variables taken into consideration when determining how much you will pay for a life insurance policy.

There are several different health classifications based on your health, family health history, your height-to-weight ratio, use of tobacco, and an...

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Is there any life insurance seniors can buy without answering any questions about their health?

Yes, it's called "Guaranteed Issue Life Insurance" and it guarantees your approval for life insurance if you meet the age requirement for acceptance.

With guaranteed issue life insurance you won’t have to answer any questions about your health in order to get insured.

People ages 45 to 85 can get guaranteed acceptance life insurance through United of Omaha.

Learn more about no health question life in...

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Can you buy a life insurance policy with no health questions or exams required?

Yes. It's called "Guaranteed Issue" life insurance and it offers a limited amount of life insurance protection for people ages 45 to 85 years old.

However, the age requirement for guaranteed approval for a policy may vary by insurance company.

And, the maximum amount of life insurance available will vary by insurer.

These plans are available even if you have been turned down by other insurers, or have serious health i...

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If you're in poor health and in need of life insurance coverage, you may want to learn about life insurance with guaranteed acceptance.

Guaranteed acceptance life insurance plans guarantee your ability to get insured, even if you have pre-existing health problems, or have been denied life insurance form other insurers.

People between the age of 45 to 85 years old can get guaranteed life insurance coverage with no health exam required, and no health questions asked.

Here's how to get life insuran...

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Can I buy a life insurance policy with no health check-up and guaranteed approval?

Yes, these plans are called Guaranteed Issue life insurance policies and they offer life insurance with guaranteed approval for anyone who meets the age requirements.

For example, some insurance companies offer guaranteed acceptance for anyone between the ages of 45-75 or even 45-85.

You won't have to take any health exams, and there's no health questions for you to answer.

Here's how to get guaranteed life insuran...

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Yes. There are life insurance policies that offer Guaranteed Approval for anyone who meets the age requirement.

Since you are an adult child, you have Insurable Interest in your parents, and that means you may purchase life insurance on them.

Some insurers offer guaranteed issue life insurance for people between the age if 45 to 85 years old.

These guaranteed issue policies do not require any health exam, and your parents won't have to answer any questions about their health.

Here's how to buy li...
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Is there life insurance you can purchase without any physical exam or health questions asked?

Yes, these plans are called "Guaranteed Acceptance" life insurance and offer a limited amount of coverage because anyone may get insured who meets the age requirements for approval, even if they have health problems, or have been turned down for coverage elsewhere.

Some guaranteed issue life insurance plans are available for people ages 45-75, 40-80, or even for those ages 45-85.

Here's how to get no ph...

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Is it possible to buy a life insurance policy without any check on your health?

Yes, there are life insurance plans available offering coverage with no health exam, but fewer that offer coverage without any questions about the status of your health.

These plans are usually limited to accidental death insurance, or guaranteed issue life insurance.

Accidental death insurance only pays out a death benefit if the insured person dies as a result of an accident, not natural causes.

Guaranteed issue lif...
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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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Yes, there are burial plans available without any health questions asked.

These are called "Guaranteed Issue" burial insurance policies and they guarantee your approval for coverage I you meet the age requirements, which may be 45-75, 40-80, or 45-85, usually.

Keep in mind, burial plan usually offer a limited amount of life insurance protection, from $3,000 up to $25,000.

But, if you need more insurance you may purchase coverage form more than one insurance carrier.

Here's how to get burial insur...
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What is no health question life insurance?

It's a type of permanent life insurance plan that does not require you to take a medical exam, and there are no questions asked about your health.

These plans are guaranteed issue, which means you cannot be turned down due to any pre-existing health conditions, as long as you meet the age requirements for approval.

Ages for guaranteed approval may vary by insurer, for example, some insurers offer guaranteed coverage for people ages 45-75, or 40-80, or 4...
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Can I buy a life insurance policy to cover final expenses without answering any questions about my health?

Yes, if you meet the age requirements for guaranteed approval there are guaranteed issue final expense life insurance plans with no health exam required, and no health questions asked.

These plans usually offer up to $20,000 (or more) of life insurance protection.

And, your approval for a policy is guaranteed if you meet the age requirements, which vary by insurer.

For example, one highly-ra...
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Can I buy life insurance coverage without having to answer any questions about my health?

Yes, in fact, there are life insurance policies available with guaranteed approval which means you won't have to take a physical exam or answer any health questions.

Where you have been turned down, have chronic health problems or just don't want to answer any health questions when applying for life insurance, you can get insured - if you meet the age requirements for approval.

Life insurance carriers with ...
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Yes, a doctor's exam may be required for life insurance.

However, the requirement for an exam depends on the insurer, your age, health and the amount of life insurance you need.

Some insurers do not require you to take an exam if you are buying less than $50,000 of life insurance.

In addition, there are life insurance policies available online with no health exam required.

Also, the exam from an insurer is usually a paramedic exam performed at your home or office which checks your blood pressure,...
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Can seniors get life insurance without answering any questions about their health?

Yes, there are no health questions life insurance plans for senior citizens.

In fact, people age 45 to 85 can buy life insurance with no exam and no health questions asked.

You cannot be turned down due to any health problems.

So, if you have been declined coverage by other insurers or you have a health condition, you can get insured.

Learn about senior life insurance without health questions and how you can request...
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Can people with health problems get insured for life insurance?

Yes, you may be able to purchase life insurance if you have health problems.

There are a few ways to find life insurance with health issues.

You could look for a life insurance broker in your area who specializes in life insurance for high risk people. That broker would have access to life insurers who insure people with health issues.

Or, you could contact the insurance company you have your home and auto insurance with and ask if t...
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Is there life insurance available without any health screening?

There's a couple types of life insurance plans available without an exam required.

First, there's simplified issue term life insurance that requires no health examination, but there are a few health questions for you to answer. These plans usually offer up to $250,000 (or more) of term life insurance for a period of 10, 15, 20 or 30 years.

Then, there's guaranteed approved life insurance that usually offers up to $25,000 of permanen...
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Should I buy regular life insurance or new exam life insurance?

That depend son your situation.

A regular life insurance policy may require you to take am physical examination and wait up to 4 to 6 weeks to find out if you are accepted and receive your life insurance policy.

A no exam life insurance plan offers you the option of getting life insurance without the hassles and delays of taking a medical exam. You can apply completely online, get approved, and start your life insurance coverage tod...
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I have poor health and need life insurance coverage, is it available?

Yes, there are some guaranteed issue life insurance plans for people with bad health.

In fact, if you are between the ages of 45 to 85, you may be able to purchase up to $25,000 of guaranteed life insurance protection. 

Are there any exams or health questions?

No, with guaranteed life insurance there's no health exams required and no health questions asked. If you meet the age requirements, you cannot be turned down due to your...
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Is it possible to get life insurance for someone who is ill with a health condition?

It depends on the person's age, but there are life insurance plans that offer guaranteed approval for all applicants that meet the age requirement.

For instance, one insurance company offer up to $25,000 of guaranteed acceptance whole life insurance for people age 45 to 85. 

There's no health examination required for guaranteed issue plans and there are no health questions asked.

Basically, if you meet the age re...
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Is no exam life insurance coverage affordable?

It really depends on your health, your age and the insurance company you apply to for life insurance,

Some insurers offer higher rates on their no exam life insurance plans, while others may be more competitive.

For instance, Fidelity Life has some no exam life insurance rates that are even in line with what other insurers may offer for life insurance that requires you to take a physical exam.

While other insurers may charge rates at least 10% (or mo...
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After you apply for a life insurance policy It can take anywhere from hours, to months to be approved for your life insurance coverage.

If you are applying for a simplified issue life insurance policy that requires no physical exam or medical records, it can be signed digitally and approved on the phone, it may even go into effect the same day you apply.

The cons of a simplified issue life insurance policy: this type of life insurance policy does not dig too deep into your h...

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Yes, State Farm may test for drugs when you request a life insurance policy.

However, the drug testing requirement may vary by applicant based on your age, health, and answers to the questions on the application form.

Many life insurance companies test for drugs as a standard part of their application process for life insurance.

However, there are some insurers that do not require you to take a medical exam, or drug test.

In fact, one life insurance carrier offers up to $350,000 of life insurance...
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