Life Insurance for the Sick and Elderly
Are You Sick and Elderly and In Need of Life Insurance Protection?
If so, you have come to the right place to shop for your coverage.
Today, there are several highly-rated insurance companies that now offer life insurance for people with elderly people who have pre-existing health conditions.
And, you may be able to shop, compare plans and pricing, and apply completely online for your life insurance coverage.
Although many life insurance carriers do not insure people with health issues due to the high risk of someone being insured and then not having a very long life expectancy, there are plans called "Guaranteed Issue" life insurance that offer guaranteed approval for anyone who meets the age requirements.
Top Pick – Mutual of Omaha
Mutual of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $2,000 up to $25,000 of coverage. Rates start as low as $8.84 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. START HERE to get a FREE Quote.
- Your life insurance policy comes with a 30 day Risk-Free, Money-Back Guarantee
Guaranteed life insurance is available to anyone that meets the age requirements because they provide limited death benefits (graded benefits) the first 2 years you are insured. After that, you have 100% full coverage.
Factors to Consider When Choosing Elderly Life Insurance
- Age – People age 45 to 85 (50-75 in NY) may qualify for a guaranteed issue plan.
- Amount of Insurance – Purchase from $2,000 up to $25,000 of life insurance.
- Insurance Companies – Some of the leading guaranteed issue insurance companies include Mutual of Omaha, Metlife, and Colonial Penn.
- Graded Benefits – There is limited coverage the first 2 years you are insured, then you have full coverage.
- Level Premiums – Premiums are guaranteed never to increase.
- Level Benefits – Life insurance death benefit is guaranteed never to decrease.
- Permanent Life Insurance – Guaranteed Lifetime protection.
- Cash Value – Builds cash value inside the policy, from which you may take a loan.
No matter what type of illness you have, if you meet the age requirements, you may purchase guaranteed acceptance life insurance.
Leading Illnesses of Seniors in America
Top 10 Diseases of the Elderly
- Parkinson’s Disease
- Alzheimer’s Disease
- Heart Disease
- Diabetes
- Hypertension
- Depression
- Hearing Impairments
- COPD
- Osteoporosis
- Arthritis
Additional Health Conditions Common to Elderly People
- Cancer – Lung, Prostate, Breast, Liver, Kidney, Bladder, Bone, Brain, Cervical, Colon
- Stroke
- Kidney Disease
- Hepatitis A and Hepatitis B
- High Blood Pressure
- High Cholesterol
- AIDS/HIV
- Asthma
- Bipolar Disorder
- Glaucoma
- Osteoarthritis
- Pneumonia
- Respiratory Diseases
- Cirrhosis
- Obesity
- Crohn’s Disease
- Epilepsy
- Gallbladder Disease
- Sexually Transmitted Diseases
- Hyperglycemia
If you are a senior with any of the illnesses listed above, or have any other health condition, you can purchase guaranteed approval life insurance from the options listed below.
Life Insurance Quotes
Top Pick – Mutual of Omaha
Mutual of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $2,000 up to $25,000 of coverage. Rates start as low as $8.84 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. START HERE to get a FREE Quote.
- Your life insurance policy comes with a 30 day Risk-Free, Money-Back Guarantee
Highly Recommended – Met Life
Met Life offers guaranteed acceptance life insurance for people age 45 to 75. Choose $2,500 up to $20,000 of coverage. Rates starts as low as $10 per month. There's no medical exam and no health questions. You cannot be turned down.
No Medical Questions Life Insurance for Seniors
Can I Buy Life Insurance for a Sick Parent?
Guaranteed Issue Senior Life Insurance
Life Insurance for the Sick and Elderly
Life Insurance for Uninsurable People
Disclosure: Compensated Affiliate