High Risk Life Insurance for Sick People

Can seniors with health issues get approved for life insurance coverage?

It depends on the senior's age, health and the insurance company the person applies to for a policy.

There are several insurance carriers that specialize in insuring high risk people for life insurance. You may want to contact a local broker with access to high risk life insurance carriers for help in finding coverage.

In addition, there are "Guaranteed Issue" life insurance plans that guarantee your approval as long as you meet the age requirements, can afford the premium, and live in a state in which the insurance company is licensed to do business, and offers the plan.

Some guaranteed plans offer coverage for people ages 45 to 85, with no exam needed and no health questions.

Learn more about finding high risk life insurance for sick people.