How to Get Life Insurance with Health Problems

Can I buy a life insurance policy if I have a health problem?

Yes, even if you have been declined or have pre existing health problems, you may be able to purchase life insurance coverage.

You have the option of comparing life insurance rates online from quote providers, contacting a licensed local life insurance agent that specializes in high risk life insurance, or applying for a guarantee issue life insurance policy.

Guaranteed issue life insurance offers life insurance for anyone who meets the age requirements and can pay the premium. Most guaranteed issue life insurance plans offer guaranteed coverage for people age 45 to 75.

And, with guaranteed life insurance there are no exams and no health questions for you to answer. However, the amount of life insurance available may be limited to $20,000 or less, and the premium is higher than other plasm because they accept everyone. Here's how you can learn more about guaranteed issue life insurance for people with health problems.