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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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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Are you finding it difficult to get insured for life insurance?

If so, you may be wondering why you were turned down or declined for a policy.

First, you should know that not everyone may qualify for life insurance. 

The insurance company sets guidelines for applicants that qualify based on several factors including age and health.

There are several reasons an insurance company may deny you for life insurance, including:

Health, age, occupation, hobbies, etc.

For example, many life insurers won't i...
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What are some of the most common reasons a life insurance company may turn down an applicant for coverage?

Life insurance carriers have a set of underwriting guideline including requirements related to your age, health and lifestyle that they review and consider when underwriting an applicant for life insurance coverage.

Many of the key reasons someone may be denied life insurance have to do with the person's age, health, lifestyle, drug or alcohol use, driving record, etc.

If you have chronic h...
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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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Are people ever considered uninsurable by life insurance companies?

Some life insurance companies may rate certain individuals as uninsurable for coverage.

These are usually people the life insurance company believes will probably pass away in the near future, with a short life expectancy compared to the average person.

However, just because one life insurer considers an individual as uninsurable does not mean that another insurance company will decide the same.

Classificati...

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Is there life insurance that offers guaranteed approval for coverage?

Yes, there are guaranteed acceptance life insurance plans that will issue life insurance for anyone who meets their criteria for approval. Usually, with guaranteed issue life insurance you have to be a certain age, for instance, from age 45 to 75 or age 50 to 80, to get guaranteed approval.

With guaranteed issue life insurance your health doesn't matter, and even if you have been turned down for life insurance from other insu...
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Yes, life insurance may cover death resulting from skydiving.

However, some life insurance carriers have varying degrees of expertise in underwriting different risks for life insurance; such as, skydiving, or other high risk activities.

There are some insurance companies who are very proficient in underwriting risky hobbies in general, and skydiving in particular.

You may want to contact a life insurance company that specializes in insuring high risk hobbies including skydivin...

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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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The life insurance industry has several hundred life insurance companies, many of which specialize in insuring certain types of risk, including high risk applicants.

A declination from one life insurance company may not mean you will definitely be declined by another life insurance company.

After a declination for life insurance, you may still want to continue shopping for life insurance from other life insurance companies that specialize in insuring impaired risk applicant...

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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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