Life Insurance for Seniors with No Questions Asked

Is there life insurance for seniors without any exams or health questions asked?

Yes, these plans are called “guaranteed issue” life insurance policies.

Guaranteed issue plans provide life insurance for seniors with guaranteed approval, which means you cannot be denied coverage due to any health reasons.

As long as you meet the age requirements, seniors can get insured, and some plans offer guaranteed approval for people ages 45 to 85.

With guaranteed coverage there’s no exams and no health questions, but you may have graded benefits the first 2 years you are insured, which is how the insurance companies can guarantee you coverage.

Here’s how to get life insurance for seniors with no questions asked