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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Can people over seventy-five years old get life insurance with guaranteed approval?

Yes, in fact, several life insurers offer guaranteed issue life plans for seniors.

Among the leading providers of guaranteed acceptance life insurance policies are United of Omaha, AIG, AAA, Colonial Penn and MetLife.

Seniors age 45 to 85 may be able to get up to $25,000 of life insurance with guaranteed approval from United of Omaha, for example.

However, if you need more coverage, you may be able to buy a policy...

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If you are a senior looking for life insurance, you may wondering how much life insurance to buy?

The right amount of coverage for seniors will vary by individual based on your particular goals you want to accomplish with your life insurance policy.

Some seniors may need life insurance to pay for their final expenses, while others may want life insurance to provide some money for their spouse's retirement, or their grandchild's college education.

It's usually a good idea to use a life insurance ...

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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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It's the plan that meets your needs and accomplishes your goals.

You'll want to find the plan that offers the most affordable price from a highly-rated insurance company.

Make sure to consider how long you need your coverage to last and how much life insurance you really need.

You'll want to compare multiple life insurance quotes from several of the leading life insurance companies to help you find an affordable plan from a reputable carrier.

Learn more about finding the best term life insurance ...

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Can people over seventy years old get insured for life insurance?

Yes. In fact, people over 70 may be able to choose from term life, whole life or guaranteed issue life insurance plans.

Term life is temporary coverage offering life insurance lasting for a term (duration) of 5, 10, 15 or 20 years for people over 70.

Whole life offers lifetime protection, builds cash value inside the policy over time, and costs a lot more than term insurance.

Guaranteed issue life insurance offers guaranteed covera...
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Is there guaranteed issue life insurance available for senior citizens?

Yes, in fact, one highly-rated insurance carrier offers life insurance with guaranteed approval for people ages 45 to 85.

Guaranteed issue plans offer guaranteed approval if you meet the age requirements for acceptance.

So, even if you have health problems, or you have been declined for coverage by other insurers, you can still get insured.

Here's how to buy guaranteed acceptance life insurance for senior citizens.

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If you're looking to purchase affordable senior life insurance coverage you'll want to learn about term insurance, because it offers by far the lowest-priced life insurance available for senior citizens.

In addition, comparing pricing from among several life insurers will help you quickly decide which insurer offers the most affordable coverage.

Keep in mind, the longer your life insurance policy "term" (duration), the higher your annual cost of insurance.

Seniors may be able to choose a term li...

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Can seniors over 70 get term life insurance?

Yes, there are term life insurance policies available for seniors age seventy and over.

However, the length of coverage may be limited to 5 or 10 years, depending on your age and your health.

If you have health issues, there are guaranteed issue whole life insurance plans available for people ages 45 to 85.

Learn more about buying term life insurance for seniors over 70 years old.

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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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Is there life insurance available for people age 50 to 85 years old?

Yes, there are term life insurance policies available which offer temporary coverage for a specific number of years (up to 30 years), and there are permanent life insurance policies that provide guaranteed lifetime protection.

In addition, there are guaranteed life insurance policies which may be a good option for anyone over 80, or with a health problem, or someone who has been turned down for life insurance from other insura...

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The best type of life insurance for seniors is the coverage that meets your specific needs, and fits your budget. 

Seniors may choose from term life insurance or whole life insurance for their coverage.

If you need life insurance for a duration of 20 years or less, then term life may be most affordable type of policy.

If you need life insurance guaranteed to last your entire lifetime, then whole life insurance may be the best option.

If you have been turned down for life insurance before, then gu...
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Can seniors over age 80 get life insurance to cover their final expenses?

Yes, in fact, there are guaranteed issue permanent life insurance policies available from United of Omaha for people ages 45 to 85.

These plans offer up to $25,000 of guaranteed coverage, and you cannot be turned down due to any health problems.

There's no doctor exam need and you won't have to answer any questions about the condition of your health.

Each plan comes with a money-back guarantee, and you can even buy coverage...
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Is there life insurance available for seniors with guaranteed approval?

Yes, some insurers do offer guaranteed issue life insurance for people ages 45-75, 40-80 or even 45-85, depending on the insurance company.

Guaranteed issue means you cannot be declined for coverage due to a health condition.

And, there's no health exam required to get insured. In addition, there may be no health questions asked.

However, there are usually limited death benefits (graded benefits) the first two years you are i...
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Yes, seniors citizens can get insured for life insurance without having to take a medical exam.

There's even guaranteed issue life insurance for seniors with no health questions asked.

So, even if you have a health problem or you have been turned down for life insurance coverage, you can still get insured without taking any medical exam.

Seniors age 45-85 can get guaranteed coverage and may purchase up to $25,000 of life insurance.

Here's how to get life insuranc...

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Can senior citizens over 65 get affordable burial insurance coverage?

Yes, seniors over 65 can get guaranteed issue burial insurance policies. There's even guaranteed approval burial plans for people ages 45 to 85. That means you cannot be denied coverage if you meet the age requirements. And, you cannot be turned down due to any health problems.

You won't have to answer any questions about your health or take any health examinations.

However, with guaranteed coverage there are some limitations....
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Is it possible for people over age eighty to get insured for life insurance?

Most life insurance carriers limit their acceptance for life insurance to people age 80 or under.

However, there are guaranteed approval life insurance plans available for people ages 45-85.

These policies guarantee your acceptance for coverage which means you will not be turned down due to any problem with your health.

But, there are limited death benefits the first two years you are insured - that's how they can guaran...
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Yes, there are whole life or permanent life insurance policies available for senior citizens that provide lifetime protection.

However, your approval for a policy may depend on your age and health.

If you have health issues or you are over 75, you can get guaranteed approval life insurance if you have any difficulty qualifying for regular whole life insurance coverage.

With guaranteed life insurance there is no health exam required and there are no questions asked about your health. You are gua...
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How can seniors get term insurance quotes and what plans are available?

Seniors and people of almost any age can request free life insurance rate comparisons on the internet. 

Seniors can usually get up to 20 years of term life insurance, but that will depend on your age.

For example, term life plans are usually available for a term of 5, 10, 15, 20, 25 or 30 years.

However, people over 70 may find it difficult to get more than 10 or 15 years of term insurance coverage due to their age.

In addiito...
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Can seniors buy term life insurance coverage online?

Yes, there are term life insurance policies available for seniors which you can apply for on the internet.

In fact, some insurers even offer no exam term life insurance for seniors.

Senior term life insurance policies may be available with coverage for a "term" of 5, 10, 15 or 20 years, depending on your age and health.

Seniors can shop and compare instant term life insurance rate quotes online from a network of leading life insurance carriers,...
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Yes, people over age 70 may qualify for life insurance coverage.

It depends on the person's age and health, and the life insurance company's guidelines for approval.

In addition, the type and amount of life insurance the person needs will impact acceptance, and the cost of the life insurance policy.

It would be easier for someone over 70 to qualify for a term life insurance plan providing coverage for 10 years or less, instead of a permanent life insurance policy providing lifetime protection.

In...
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There is no one best life insurance company for all seniors, although some are certainly better for older people than others.

The one life insurance carrier that is best for you will depend on your age, what amount of life insurance you need, what type of life insurance plan you want, your health, and even the state in which you reside, among other factors.

If you are over age 60 and looking for life insurance to cover your funeral costs, you will most likely find your most ...

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Is there life insurance available for people over age 70?

Yes, some insurers offer life insurance coverage for people over 70 years old.

Whether or not you qualify for a plan may depend on your age, health, hobbies, lifestyle, driving record, height-to-weight ratio, if you smoke or not, and some other risk factors that may impact a seniors longevity.

Life insurance companies may offer permanent life insurance to seniors over 70, but these will be the most expensive plans available; however, they...
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