What are the Age Limits on Term Life Insurance?

If you’re shopping for a term insurance policy, you may be wondering if you qualify to purchase a plan based on your current age.

There are certain age limits on the purchase of term insurance plans, which limit the length (duration) of coverage you may qualify to buy, based on your age.

For example, while a 45 year old may be able to buy a 30 year term life plan, a 70 year old may be limited to 10 or 15 years of term life coverage.

Learn more about the age limits on term life insurance policies.

New York Funeral Insurance

Do you live in New York and need funeral insurance?

If so, you may have several options to choose from to get funeral coverage.

Today, residents in New York state can purchase guaranteed issue funeral insurance without any health exam, and without having to answer any health questions.

In fact, if you are between the ages of 45 to 85, and you can pay the premium, you can get up to $25,000 of guaranteed approval funeral life insurance coverage from an “A+” rated life insurance company.

That means, if you have pre-existing health problems, or if you have been turned down for coverage by other life insurers, you can still get insured for funeral insurance.

Here’s how to buy New York funeral insurance plans.

Is a Physical Exam Required for Term Life Insurance?

Term life insurance usually requires the applicant to take a health exam which is paid for by the insurance company.

Usually, you would need to take a life insurance health exam for any of the following reasons:

• Over Age 30
• Over $50,000 of Life Insurance
• Use Tobacco
• Have a Pre-Existing Health Condition
• Declined by Other Life Insurers
• Use Prescription Medication
• History of Drug or Alcohol Abuse
• Poor Driving Record – DUI’s

Keep in mind, taking a health exam may help you qualify for a more affordable insurance policy compared to no exam plans that may charge higher rates because they may end up insuring some applicants who might not otherwise qualify for coverage if they had to take a physical.

Learn more about physical exams required for term life insurance coverage.

New York Burial Insurance

Do you live in New York and need burial expenses insurance coverage?

If so, you may have several options to choose from to get insured for burial expense insurance.

Today, residents of the state of New York can buy guaranteed issue burial plans without any exam required, and without having to answer any questions about their health.

In fact, if you are between the ages of 45 to 85, and you can pay the premium, you can get up to $25,000 of guaranteed acceptance burial coverage from an “A+” rated life insurance company.

That means, even if you have pre-existing health issues, and even if you have been turned down for coverage by other insurers, you may get insured for burial expense insurance. Here’s how to buy burial insurance in New York state.

Life Insurance in NY

If I live in New York, can I get life insurance coverage online?

Yes, there are life insurance carriers in New York that offer online life insurance quotes and policies for residents in New York.

Since the regulations for insurance companies are more stringent in the state of New York, several life insurers have set up their own life insurance companies specifically to do business in the state of New York.

Some of the leading providers of life insurance in New York state include New York Life and John Hancock, among others.

You can request and compare free life insurance quotes online to help you find affordable protection for your family. Learn how to get Life Insurance in NY.

Guaranteed Acceptance Life Insurance in New York

Can residents of New York get life insurance with guaranteed approval?

Yes. In fact, one highly-rated insurance company offers New York residents up to $25,000 of guaranteed approval life insurance for people ages 45 to 85.

There’s no doctor exam required, no health questions asked, and you can’t be denied coverage due to any pre-existing health condition.

If you meet the age requirements, and you can pay the premium, you can get insured.

Here’s how to get New York guaranteed acceptance life insurance.

Why Buy Guaranteed Life Insurance?

If you are shopping for a life insurance policy you may have heard about guaranteed issue life insurance plans. Is guaranteed life insurance right for you?

That depends. Many people who choose to buy life insurance with guaranteed approval have been turned down for coverage due to their age, health, lifestyle, or for some other reason.

Usually, a guaranteed life insurance policy is the last option for someone who needs life insurance protection because of the cost and the limited amount of coverage available.

With guaranteed life insurance you cannot be denied coverage as long as you meet the age requirements; for example, ages 45 to 85.

Learn more about why to buy guaranteed life insurance coverage?

Can You Buy Life Insurance after being Diagnosed with Cancer?

Yes, people who have been diagnosed with cancer may be able to purchase life insurance.

However, it will depend on the requirements for acceptance of the life insurance company.

Several factors will be considered including your age, overall health, type of cancer, how you manage your cancer, your medication, chemotherapy, other treatments, prognosis, when you were diagnosed, among other things.

And, if you are turned down for a traditional life insurance plan, you may still be able to get insured with Guaranteed-Issue life insurance coverage.

Learn more about How to buy life insurance after being diagnosed with cancer.

$5,000 Whole Life Policy

Do you need $5,000 of lifetime life insurance protection?

Today, it’s quicker and easier than ever before to get $5,000 of whole life insurance protection.

This type of policy is best suited for people with health issues, cancer, COPD, HIV or AIDS, kidney failure, over age 60, or those who have had or need an organ transplant, or have been turned down for life insurance.

In addition, many people purchase a $5,000 whole life insurance policy to provide funds for their final expenses, including the cost of a funeral and burial expenses.

It can be difficult to find life insurance with any of the health problems mentioned above, but there are life insurance carriers that offer guaranteed issue policies.

Here’s how to buy a $5,000 whole life policy.

Where Can I Buy Funeral Insurance?

If you haven’t planned for your final expenses yet, you may be looking to purchase funeral expenses insurance.

But, where can you buy a funeral plan?

Today, there are several life insurance companies that offer funeral expenses insurance you can get online.

Some of the leading providers of funeral policies include United of Omaha, Colonial Penn and Met life, among others – and they all offer free quotes you can request online to find out how much your funeral insurance will cost.

These plans are usually guaranteed issue, which means you cannot be turned down if you meet the age requirements for approval.

Learn more about where you can buy funeral insurance online.