Elderly Life Insurance NY State

Can elderly people living in New York get life insurance?

Yes. There are guaranteed issue life insurance plans available for elderly residents in the state of New York.

Guaranteed issue means you cannot be denied coverage if you meet the age requirement for approval.

Ages for approval of guaranteed issue plans vary by insurer, but one highly-rated carrier offers guaranteed policies to people ages 45 to 85.

Guaranteed issue means you won't have to take an exam or answer any questions about your health.

Some plans offer up to $25,000 of guaranteed acceptance life insurance coverage for elderly people.

Learn more about buying elderly life insurance in New York.

Looking for Term Life Insurance

Are you looking for term life insurance coverage?

If so, you'll want to learn how term life works and how you can save money when shopping for an affordable term life policy to protect your loved ones.

Term life is a type of life insurance plan that provides temporary coverage lasting for a period of up to thirty years.

The longer your policy duration (term), the higher your annual cost of insurance.

Learn more about looking for term life insurance plans.

Term Life Insurance for Parents

If you are parents in need of life insurance protection for your loved ones, you may be considering term life insurance.

Term life insurance is the most affordable type of life insurance policy available.

It provides you with a death benefit that is paid out to your beneficiary upon your passing.

With term life, you can select a duration of coverage of 10, 15, 20, 25 or 30 years, to meet your family's specific life insurance needs.

Term life offers the maximum amount of life insurance protection for any budget, since it offers rates that are much lower than rates charged for permanent life insurance plans.

Learn more about term life insurance for parents.

Gerber Life Insurance for Seniors

 Does Gerber Life offer life insurance plans for senior citizens?

Yes. Gerber Life offers guaranteed issue whole life insurance policies for seniors up to age 75.

With Gerber Life, seniors age 75 and under may purchase up to $15,000 of life insurance protection with guaranteed approval. 

That means, you won't have to take a medical exam, or answer any questions about the status of your health.

Even if you have been turned down by other insurers, you can still get insured through Gerber Life, if you meet the age requirement for approval.

Many seniors choose Gerber guaranteed issue life insurance to pay for the cost of their final expenses, including burial and funeral related costs.

Learn more about Gerber life insurance for seniors.

Term Insurance for Life

 Can I buy term insurance for life?

Actually, term insurance is temporary life insurance coverage that lasts for a specific period fo time, usually up to thirty years.

You can choose a policy term (duration) of 10, 15, 20, 25 or 30 years of protection.

If you find you need life insurance beyond the expiration date of your term life policy, you may be able to renew your coverage for an additional term, usually of up to 10 years. 

Burial Insurance for Smokers

Is there burial insurance available for smokers?

Yes. Smokers can purchase burial expense life insurance plans.

In fact, there are guaranteed issue burial life insurance policies available for smokers and non-smokers between the ages of 45 to 85 years old.

Guaranteed Issue means you cannot be turned down for a policy if you meet the age requirements for acceptance.

And, you won't have to answer any questions about your health, or take any physical examination to find out if you qualify for coverage.

Learn more about burial insurance for smokers.

 

Guaranteed Life Insurance for 45 Plus

Is there life insurance with guaranteed approval for people age 45 and over?

Yes, in fact, one highly-rated life insurance carrier offers guaranteed acceptance life insurance policies for people ages 45 to 85 years old.

Guaranteed Issue means you won't have to take a medical exam or answer any health questions - your approval for life insurance is guaranteed, if you meet the age requirements.

However, the maximum amount of life insurance available with Guaranteed Approval is usually limited to around $25,000. Get a free quote.

But, if you have been denied coverage, or have health issues, guaranteed life insurance is a good option to consider.

Learn more about buying guaranteed life insurance for people age 45 and over.

Gerber Life Guaranteed Life Insurance

What is Gerber Life guaranteed life insurance?

It's a type of life insurance policy that guarantees your approval for coverage, if you meet the age requirements for acceptance.

This type of policy provides lifetime (permanent) life insurance protection, as long as you pay your premiums on time.

It builds cash value inside the policy, and pays out a death benefit upon the death of the insured person.

Even if you have been denied coverage from other carriers, you can still get insured.

There is no health exam required, and you won't have to take a physical exam to qualify for coverage.

Many people choose this type of life insurance plan to provide funds to cover the cost of their funeral and burial expenses.

Learn more about Gerber Life guaranteed life insurance plans.