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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Whether or not a senior citizen needs life insurance protection will depend on that particular seniors situation.

However, many seniors do buy life insurance plans to provide for their final expenses, which may include the cost of their funeral and burial expenses.

Some of the most common reasons seniors need life insurance may include the following:

• To Pay for Final Expenses – Funeral and Burial Costs
  
• To Pay for Hospital Bills
  
• To Pay Off Credit Card Debt
  
• To Pay Off Personal Loans
  
• To Pay Off Home ...

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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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What is guaranteed approval life insurance for seniors?

It's a type of permanent life insurance plan that guarantees acceptance for coverage for people who are older.

Some insurers offer guaranteed plans to people ages 45-75 or even 45-85 years old.

With guaranteed approved life insurance you will not have to take a medical exam or answer any questions about your health.

If you meet the age requirement for approval you are guaranteed coverage.

Some plans offer up to $25,000 of life insurance with ...

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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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Is there life insurance for seniors over age 80?

Yes. There are life insurance policies available for seniors over eighty with guaranteed approval.

Guaranteed approval means you cannot be turned down for coverage, if you meet the age requirement for approval.

For example, United of Omaha offers guaranteed issue life insurance for people age 45 to 85 years old.

With guaranteed acceptance life insurance, there is no health examination required, and you don't have to answer any questions about your ...

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The price you pay monthly or annually for a senior life insurance policy will be based on the rate you are charged per $1,000 of life insurance multiplied by the amount of life insurance you need.

You rate is determined by considering your age, gender, health, and other risk factors that impact your longevity - how long you are expected to live.

The younger and healthier you are, the lower your rate for life insurance.

You can compare pricing for senior life insurance policies online by requesti...

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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 burial expense insurance available for senior citizens?

Yes. In fact, several insurers even offer guaranteed issue life insurance plans to cover burial expenses for seniors.

One highly-rated insurer offers up to $25,000 of burial expense life insurance coverage with guaranteed acceptance for anyone between the ages for 45 to 85.

With guaranteed approval plans you won't have to take an exam or answer any questions about your health.

Your approval for a policy is guaranteed, as long as you...

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Is there burial insurance available in Texas for senior citizens?

Yes, in fact, several insurers offer burial expense insurance plans in the State of Texas, including United of Omaha, Colonial Penn, AARP/NewYork Life, MetLife and AIG, among others.

There are guaranteed issue life insurance plans available for seniors age 45 to 85 that offer up to $25,000 of insurance coverage with guaranteed approval, regardless of your health.

Here's how to get burial insurance for seniors in Texas.

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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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Is there whole life insurance available to senior citizens?

Yes. There are even guaranteed issue whole life insurance policies available for seniors with health issues.

Whole life insurance provides guaranteed lifetime protection to last your entire life.

It provides a death benefit and builds cash value from which you may take a loan.

With whole life insurance, you have benefits that remain level, and the premiums stay the same each month (or year).

Learn more about how to get senior citizen whol...

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Can elderly people over 80 years old get burial insurance?

Yes, there is a highly-rated life insurance company that offers guaranteed issue burial insurance plans for people between the ages of 45 up to 85.

You can request a free burial insurance quote online today.

You may choose from $3,000 up to $25,000 of coverage. There are no exams or health questions asked.

Here's how to get burial insurance quotes for seniors over 80 years old.

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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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Yes, there are whole life insurance plans, also known as, permanent life insurance policies, offered to senior citizens.

These permanent insurance plans provide guaranteed lifetime protection as long as the premiums are paid on time.

They provide a death benefit payout upon the passing of the insured person. These whole life plans also build up cash value inside the policy over time, which is available as a loan if needed.

Your premiums remain level, and your coverage does not expire. The amount...

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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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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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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 senior citizens buy life insurance for the cost of cremation?

Yes, there are cremation life insurance policies available for seniors.

In fact, you may buy a life insurance policy with guaranteed acceptance for anyone age 45 to 85 that offers from $2,000 up to $25,000 of life insurance coverage which can be used to pay for cremation and any related expenses.

An, even if you have a pre-existing health problem, you can get insured.

Here's how to get cremation insurance for seniors.

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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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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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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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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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A senior final expense program is a type of life insurance that provides protection to cover seniors and provide funds for their final expenses, including the cost of a funeral and burial.

Most final expense policies provide guaranteed approval for seniors, and some offer guaranteed approval for people age 45 to 85.

With final expenses coverage there's no health exam required and usually no health questions asked.

These policies can be affordable with some plans starting for as little as $8.80 p...
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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 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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How can seniors compare term life insurance quotes?

There's a few options seniors have for comparing prices on term life insurance coverage.

You could contact a local life insurance agent or independent broker with access to several insurance companies.

Or, you could call life insurance carriers direct to request a price quote.

Another option which is quick and easy without the hassles is to visit a life insurance quote provider on the internet.

Online life insurance quotes allow you to objectivel...
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Funeral insurance and life insurance are different in a few ways.

Life insurance may offer up to $1,000,000 of protection or more depending on your age and health.

Whereas, funeral insurance usually offers up to $25,000 of coverage.

Life insurance may or may not require you to take a health exam, depending on your age and the amount of coverage you need.

Whereas, a funeral insurance policy may provide coverage with no health exam and no health questions asked.

Life insurance may decline to offer y...
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How to compare life insurance prices for seniors?

When it comes to shopping for a senior life insurance policy to find affordable coverage, you'll want to compare pricing among several of the best senior life insurance carriers.

Now, there's actually hundreds of life insurance companies in America, but the best insurers for seniors are those with the highest AM Best financial strength rating, which offer the most competitive prices for people age 55 and over.

How can you find these insurers and ...
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Is there burial insurance available for people over age 70?

Yes, burial insurance plans are available for people age 85 and under.

Burial insurance offers a limited amount of life insurance coverage, usually up to $20,000 or $25,000.

You can choose the amount of burial life insurance you need to meet your needs, so there's money available to pay for your burial and funeral costs.

Some burial plans offer guaranteed acceptance for people age 45 to 85. 

Usually, there's no health examination required...
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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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Yes, you may need life insurance coverage for ,many different reasons when you are retired.

For instance, if you own a large estate that is subject to estate taxes; or wish to leave a financial legacy to your children or grandchildren (heirs).

In fact, permanent life insurance coverage may be paid up by retirement and is an asset with many different uses. It can be used to help pay for any critical illness expenses, as a supplement to your retirement income, and more while you ...

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Whole life guaranteed coverage is life insurance that provides guaranteed life insurance protection for your entire lifetime, no matter how long you live.

And, it provides guaranteed acceptance, which means you cannot be  turned down for coverage, even if you are older or have health problems.

For instance, The United of Omaha whole life guaranteed policy offers from $3,000 up to $25,000 of permanent life insurance protection, and people ages 45 to 85 cannot be turned down for a policy.

You can ...
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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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What is level term insurance for seniors?

It's a type of life insurance that provides guaranteed coverage for a set period of time with rates that remain the same for the entire "term" of the policy.

Term life insurance may last for a period of 5, 10, 15, or 20 years for seniors, usually. So, the amount of life insurance you have and the rate you pay will remain level for the entire time (term) of your term life insurance policy.

The longer your term, the higher the rate charged for your life in...
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Can seniors over age 75 qualify to purchase a life insurance policy? If so, who offers coverage?

Yes, there are insurance companies that offer life insurance for people over age 75.

For example, there are well-known insurers like Colonial penn, Globe Life, and AARP/NewYork Life that provide life insurance plans for people over age 75.

Whether you can qualify for life insurance coverage will depend on the insurer's guidelines for approval, as well as, your age, health, tobacco use, driving record...
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Can I purchase a senior whole life insurance policy online?

Yes, you may be able to buy senior whole life insurance coverage on the internet, if you qualify.

In fact, seniors age 80 and under may qualify to buy a whole life insurance policy. There's no medical examination required, just some health questions.

It's called single premium whole life insurance, and you pay just one premium amount, one time, and get lifetime life insurance coverage which may build up cash value inside the policy over...
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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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What is the best company for senior life insurance?

There are several highly-rated life insurance carriers offering senior life insurance plans.

When choosing your insurance company and plan make sure o find out the following:

1. What is the financial strength rating of the insurer?

2. How much will the life insurance cost?

3. When does full coverage start - immediately or after 2-3 years?

4. How long is the rate guaranteed to remain level?

5. How long will the life insurance coverage last?

There are...
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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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Yes, seniors may qualify to purchase life insurance to pay for their burial expenses.

Average cost of a funeral and burial may exceed $7,500 according to surveys from Funeral Directors.

Seniors age 78 and under may qualify to purchase up to $30,000 of life insurance coverage to help provide the funds to pay for their burial and funeral costs.

In fact, seniors can apply online for a policy with no health exam required, but there may be a few health questions to answer.

There is an "A+" rated life ...
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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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Can a senior citizen qualify for life insurance coverage?

Yes, seniors may qualify for affordable life insurance protection from a highly-rated life insurer.

In fact, many life insurance companies focus on providing special life insurance plans suited specifically for seniors.

Some well-known insurers like Colonial penn, Mutual of Omaha, and Globe Life offer senior life insurance policies with simplified online applications to make it quick and easy for senior citizens to get quotes and apply on...
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In order to buy life insurance on another person the insurance company will require that you have an insurable interest in that person.

Insurable interest basically means you ely on the person for financial support, or you stand to lose out financially if the person were to die.

There does exist insurable interest between parents and their children, so you can buy life insurance for your mother.

However, in order to get life insurance on your mom, you may need her permission, signature on the ap...
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