Yes, there is life insurance available for people with COPD (Chronic Obstructive Pulmonary Disease). While COPD may present some challenges when applying for life insurance, it is still possible for individuals with this condition to obtain coverage.

People with COPD may need life insurance for several reasons:

1. Financial protection for loved ones: Life insurance provides financial protection for the policyholder's beneficiaries in the event of their death. It ensures that their loved ones will ...

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When seeking the most cost-effective life insurance option for individuals over 60 years old, term life insurance emerges as the cheapest choice. Term life insurance provides coverage for a specific duration, typically ranging from 10 to 30 years. Let's explore why term life insurance is often the most affordable option for this age group: 1. Affordability: Term life insurance is generally less expensive than permanent life insurance, such as whole life or universal life insurance. The premi...

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Can someone considered uninsurable to get insured for life insurance?

Yes, there are life insurance plans available for people who may be uninsurable.

It depends on your age; however, some insurers offer guaranteed issue life insurance plans.

Guaranteed Issue means you cannot be denied coverage if you are of a certain age.

For example, some insurers offer guaranteed issue policies for people ages 45-75 or ages 40-80.

Also, you will not have to take any medical exam or answer any questions about yo...
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Is there life insurance for people with cancer?

Yes, if you have cancer, you may be able to get insured for life insurance.

However, it depends on several key factors, including your age, health, diagnosis, treatment, and medication, among other things.

There are some people living with cancer who may qualify for life insurance; however, your options may be limited, and the cost of a policy may be higher than expected.

But, there are some insurers that offer life insurance policies to people livi...

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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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Is there any life insurance for people with kidney failure?

Actually, although kidney failure is a high risk for life insurers, there may be ways to get insured.

First, you'll want to ask your employer about your group life insurance plan - these usually cover all employees, regardless of health.

Also, there are guaranteed issue life insurance plans available for people between the ages of 45 to 85.

If you meet the age requirements, you are guaranteed approval, as long as you can pay the premiums...

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There are several good reasons people choose to buy a term life insurance policy instead of purchasing permanent life insurance.

One of the most common reasons is Price.

Permanent life usually costs up to 5-10 times more for the same amount of life insurance compared to term life.

That means, you can buy a lot more protection for your family by choosing a term life insurance policy.

Another popular reason is Flexibility.

With term life you choose the duration of coverage you need your life insuran...

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Yes. There are life insurance plans available for older people, whether they are in good health or have health issues.

The elderly may qualify for permanent life insurance which provides lifetime protection, or term life insurance which provides life insurance for a specific number of years.

In addition, there are Guaranteed Issue life insurance policies available for people between the ages of 45 to 85 years old.

Guaranteed issue policies offer guaranteed approval for anyone who meets the age r...

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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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Why would someone buy a final expense insurance policy?

There are several reasons someone would choose to purchase a final expense plan, including:

• To pay for a parent or sibling's final expenses. 
• To pay for their own final expenses.Peace of mind.
• To guarantee their loved ones would not suffer the financial stress of having to find a way to cover the cost of the person's end of life expenses.
  

Many people who do not have enough money saved to pay for their own final expenses choose to purchase a l...
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Can people over 80 years old get death insurance coverage?

Yes, there are life insurance policies available to insure people over 80 years old.

These senior life insurance plans are available for people ages 45 to 85 and offer Guaranteed Approval with no health exam required and not health questions asked.

You may choose up to $25,000 of life insurance coverage, and request a free quote online for your policy.

Even people with health issues can get insured. 

Here's how to get death insurance for s...

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Is there life insurance for people over 50 years old?

Yes, in fact, there are several types of over 50 life insurance plans available, including term life insurance, permanent life insurance and guaranteed issue life insurance.

The cheapest type of over 50 life insurance plan is term life which offers temporary coverage for a duration of 10, 15, 20, 25 or 30 years.

Permanent life insurance cost a lot more, and provides lifetime protection, as long as you pay your premiums. It also builds some ca...

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Is there life insurance available for people over 65 years old?

Yes, a 65 year old may qualify for term life insurance, whole life, or choose guaranteed issue life insurance plans.

The cheapest type of life insurance coverage for 65 year olds would be term life, because it offers temporary protection, usually up to 10 or 15 years, for people over 65.

Whole life insurance is much more expensive because it provides lifetime protection, as long as you pay your premiums.

And, if you have a pre-existi...

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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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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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Can people over age 80 get life insurance to cover their burial expenses?

Yes, in fact, there are guaranteed issue burial insurance policies available for people ages 45 to 85.

These plans may offer up to $25,000 of life insurance protection.

With guaranteed plans there is no health exam need, and no questions asked about the status of your health.

You cannot be declined for coverage if you meet that age requirements for approval.

However, the death benefits are usually limited the first two years...
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Can sick people considered a high risk for life insurance get insured?

Yes, there are life insurance carriers which specialize in insuring people considered a high risk due to health issues.

In addition, there are guaranteed issue life insurance policies available for people ages 45 to 85.

Guaranteed issue means you cannot be denied coverage due to any health problem, as long as you meet the age requirements and live in a state where the insurer is licensed to do business and offers the plan.

Le...

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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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Is it possible for old people, over age 70 to get insured for life insurance?

Yes, in fact you may qualify for term insurance or whole life insurance if you are over age 70.

Your approval for coverage will depend on your specific age and health, as well as, the insurance company you apply to for a life insurance policy. 

Term life is temporary coverage offering seniors life insurance for a duration (term) of 5, 10, 15 or 20 years, usually.

Whereas, whole life insurance offers lifetime life insura...
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Can I get life insurance if I have an illness or disease?

Yes, there are life insurance plans available for high risk people with an illness.

Some plans may require a health exam which may end up disqualifying you for coverage due to your health.

However, there are guaranteed approval life insurance plans available for people age 45 to 85.

With guaranteed approval there are no health dams and no questions asked about your health.

However, the death benefit is limited the first two years you are in...

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There are many reasons someone may be considered a "high risk" for life insurance, which basically means you have a shorter life expectancy than the average person, and this may be due to your health, age, hobbies, occupation or lifestyle.

For instance, high risk hobbies may include sky diving, race car driving, mountain c limbing and B.A.S.E. jumping.

High risk occupations may include firemen, blasting contractors and high rise window cleaners.

If you are obese, a heavy smoker ...

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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 term life insurance for people living with HIV?

Yes, people with HIV may be able to qualify for life insurance coverage.

New York Life, Mutual of Omaha, and Physician's Life may offer life insurance coverage for people who are HIV positive.

The requirements for approval and the amount of life insurance available will vary by insurance company, as each has their own set of guidelines for approval.

There are also Employer provided group life insurance plans that offer coverage to employee...
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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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Why do people choose to buy life insurance - what is the purpose?

Many people buy life insurance policies to provide financial security for their loved ones inn case they die.

With life insurance you choose who will receive the proceeds (death benefit) from your life insurance upon your death.

The proceeds from your life insurance can be used by your beneficiary any way that person(s) sees fit. So, you could leave your life insurance to your spouse and he (she) could use the money to pay off the...
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Is there life insurance for people who go bungee jumping? Is it covered.

Although some life insurance policies may have exclusions for certain high risk activities, there are insurers that insure people for life insurance if they do bungee jump.

However, whether or not you are approved for life insurance, and what rate you will pay depend son several factors, including:

1. The type of bungee jumping,

2. How often you bungee jump,and 

3. Where you bungee jump from.

There are over factors that the li...
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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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Yes, there is life insurance available for elderly people.

There are several life insurance plans available for the elderly with No Exam required.

Final Expense life insurance policies can be purchased by people usually up to age 80.

There is quite a bit of leniency on the health questions for these these no exam senior life insurance policies policies, but it is possible to be declined. The maximum amount of life insurance offered is usually up to $25,000 for this type of lif...

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Yes, you may be able to buy life insurance on another person if you have an insurable interest in that person.

If you rely on someone else for financial support, or you would suffer financially if another person were to die, you may be able to buy life insurance on that person.

However, in order to purchase life insurance on another person you may need that person's permission, and the person may have to sign an application for the life insurance, and answer some health questions.

Usually, insur...
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When it comes to buying life insurance for someone over age 50, there are several highly-rated life insurance companies.

However, choosing the best company will depend on your needs and budget, as well as, the insurer's financial strength rating and what the plan provides you as far as immediate full coverage and affordability.

There are several well-known insurers of people over age 50 including Globe Life, Colonial Penn, AARP/NewYork Life, Metlife and Prudential, among others.

One way to find ...
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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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Life insurance companies test for many different health issues when you apply for a life insurance policy.

Your age, health, and amount of life insurance you request will help the insurance company to determine what type of exam you have and what they test for.

For example, a young person under age 30 requesting $50,000 of life insurance may only have a limited exam, while an 55 year old person requesting $1,000,000l of life insurance may require a full physical examination.

If ...

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Whether or not someone with cancer can buy life insurance may depend on the type of cancer, stage, treatment and the period of time since all treatment has ended.

Certain types of cancer, such as most forms of skin cancer, if caught early and "cured", should not prevent someone from qualifying to buy a life insurance policy, depending on the stage of cancer and treatment, rates for your life insurance policy may be standard or higher.

Other forms of cancer may be insurable an...

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According to LIMRA in 2011, 7 in 10 U.S. households own some type of life insurance coverage.  

Nearly half of all U.S. households own individual life insurance policies.  Fifty-eight million, or half of U.S. households say that they need more life insurance protection, that they feel they are under-insured.  

Most individual life insurance policies "In Force" are permanent life insurance (71%) rather than term life insurance (29%).

Life insurance is one of the most important p...

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Life insurance is a mortality product based on your life expectancy - how long you are expected to live.

Many medical factors contribute to the underwriting of a life insurance policy, one of those considerations is the Body Mass Index (BMI).

Your height and weight contribute to the credits or debits assigned to this area of underwriting your health, and assessing your risk for premature death.

Additional concerns regarding a person's weight are associated diseases like obesit...

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