Life Insurance for Sick Senior

How to Get Life Insurance for Sick Seniors

Are you ill and in need of senior 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 health problems.

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 long life expectancy, there are plans called “Guaranteed Issue” life insurance that offer guaranteed approval for anyone who meets the age requirements.

 

Top Pick – United of Omaha

United of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $3,000 up to $25,000 of coverage. Rates start as low as $8.80 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.

 

Guaranteed life insurance plans are able to accept anyone for life insurance 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.

 

There are several factors to consider when choosing your life insurance plan:

 

Age – People age 45 to 85 may qualify for a guaranteed issue plan.

Amount of Coverage – Purchase from $3,000 up to $25,000 of life insurance.

Carriers – Some of the leading guaranteed issue insurance companies include United of Mutual, Metlife, and Colonial Penn.

Graded Benefits – There is limited coverage the first 2 years you are insured, then you have full coverage.

Permanent Life Insurance – Guaranteed Lifetime protection.

Cash Value – Builds cash value inside the policy, from which you may take a loan.

Level Premiums – Premiums are guaranteed never to increase. 

Level Benefits – Life insurance death benefit is guaranteed never to decrease.

 

No matter what type of illness you have, if you meet the age requirements, you may purchase guaranteed acceptance life insurance.

 

Some of the Leading Illnesses of Seniors in America include:

 

Top 10 Diseases of the Elderly

 

Parkinson’s Disease

Alzheimer’s Disease

Depression

Hearing Impairments

COPD

Osteoporosis

Heart Disease

Diabetes

Hypertension

Arthritis

 

Additional Senior Health Conditions

 

Cancer – Lung, Prostate, Breast, Liver, Kidney, Bladder, Bone, Brain, Cervical, Colon

Stroke

Glaucoma

Osteoarthritis

Pneumonia

Respiratory Diseases

Cirrhosis

Obesity

Kidney Disease

Hepatitis A and Hepatitis B

High Blood Pressure

High Cholesterol

AIDS/HIV

Asthma

Bipolar Disorder

Crohn’s Disease

Epilepsy

Gallbladder Disease

Sexually Transmitted Diseases

Hyperglycemia


If you have any of the illnesses listed above, or have any other health issues, you can purchase guaranteed issue life insurance from the options listed below.

 

Life Insurance Quotes

 

Top Pick – United of Omaha

United of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $3,000 up to $25,000 of coverage. Rates start as low as $8.80 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.


Highly Recommended – Vantis Life

Vantis Life offers $5,000 to $20,000 of permanent life insurance with no medical examination required. There are no health questions asked. People age 50 to 80 cannot be turned down. Vantis is rated "A-" (Excellent) by AM Best for financial strength. Your premiums will never increase and your benefits will never decrease.


 


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