Life Insurance for Uninsurable People
Is there Life Insurance for Uninsurable People?
Have you applied for life insurance and been turned down? Are you finding it really tough to get life insurance?
If so, you may have another option available to you.
Today, there are many people who may be considered uninsurable by some life insurance companies due to their age, health, diabetes, smoking, DUI’s, use of marijuana, high risk job or high risk occupation, etc. But, that doesn’t mean every life insurance company will turn you down for coverage.
There are several ways to try and get insured if you may be
considered uninsurable:
- Guaranteed Acceptance Life Insurance
- Graded Death Benefit Life Insurance
- High Risk Life Insurance Carriers
First, if you have tried to get life insurance and been denied you may want to contact a local licensed independent life insurance agent that specializes in high-risk life insurance.
Why? Because, an agent that specializes in this type of life insurance will know which life insurance carriers in your state offer life insurance for high risk people.
Another option is to consider life insurance carriers that offer direct life insurance for seniors and high risk people.
Among the leading providers of no exam life insurance plans for high risk people are:
- Mutual of Omaha – Age 45 to 85
- Met Life – Age 45 to 75
- Vantis Life – Age 50 to 80
These plans usually offer a low limit of life insurance coverage from $2,000 up to $25,000.
There are no medical exams but there may be a few health questions for you to answer when you apply for a policy.
In addition, some of these plans may be graded death benefit life insurance policies, which means you won’t have full coverage until you have been insured by the life insurance company for a least 2 years, depending on the insurance company.
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.
What Makes You Uninsurable for Life Insurance?
How to Get Life Insurance After Being Denied
Life Insurance for Uninsurable People
Disclosure: Compensated Affiliate