Life Insurance without Health Questions

Is it possible to purchase a life insurance policy without answering any questions about my health?

Yes, there are no health questions life insurance plans available.

The two basic types are accidental death life insurance and guaranteed issue life insurance.

Accidental death insurance offers you up to $1,000,000 of life insurance coverage with no health exams and no health questions asked. However, a death benefit is only paid out if you die as a result of an accident.

Guaranteed issue life insurance plans offer up to $25,000 of life insurance protection and cover natural causes, and accidental death, but you do not have full coverage until you have been insured for at least two years. But, you cannot be turned down for health reasons, if you are age 45 to 85.

Learn more about life insurance without health questions.

Life Insurance with a Pre-Existing Condition

Can I get life insurance if I have a pre existing health condition?

You may be able to qualify for a life insurance policy with a pre-existing condition, but it depends on your age, health, and the life insurance company’s guidelines for acceptance.

You may want to speak with a local licensed independent life insurance agent with access to life insurance companies that specialize in providing life insurance for people considered a high risk due to their health.

Some life insurance carriers are willing to offer small amounts of life insurance protection for high risk people but the coverage may not take affect immediately. There may be a 2-3 year waiting period before you have full coverage. This is called a graded benefit life insurance plan and is usually available for people who may have been turned down for life insurance due to health reasons.

Here’s how you can learn more about getting high risk life insurance coverage for people with pre-existing health conditions.