Life Insurance for Uninsurable People: How to Get Approved When Everyone Else Says No
Last Updated: February 15, 2026 | Written by President of Term Life Online – AU, AAI, ARM
Being told you’re "uninsurable" can feel like hitting a wall. Whether it’s due to health conditions, age, or past application denials, many people assume life insurance is no longer an option.
Here’s the truth: You can still get life insurance—even if you’ve been declined before.
There are specialized policies designed specifically for people considered high-risk or uninsurable.
And in many cases, approval can happen quickly, without medical exams, needles, or long waiting periods.
👉 Request your free life insurance quote now and discover what you qualify for in minutes.
What Does "Uninsurable" Mean?
Insurance companies may label someone "uninsurable" if they consider the risk too high under traditional underwriting guidelines.
This often happens if you have:
- Serious health conditions
- Multiple chronic illnesses
- Recent major surgeries
- Terminal diagnoses
- Advanced age (70, 80, or older)
- Past application denials
- High-risk lifestyle factors
But being declined for one policy does not mean all companies will decline you.
Different insurers specialize in different risk levels.
The Best Life Insurance Options for Uninsurable People
If traditional life insurance isn’t available, these policies can provide coverage.
1. Guaranteed Issue Life Insurance (No Health Questions)
This is the most accessible option.
Key benefits:
- No medical exam
- No health questions
- Guaranteed approval
- Coverage up to $25,000 usually
- Fixed monthly premiums
- Coverage lasts for life
This type is ideal for people with:
- Cancer
- Heart disease
- COPD
- Stroke history
- Diabetes complications
- Terminal illness
👉 Get a guaranteed approval quote now.
2. Simplified Issue Life Insurance (No Exam, Few Questions)
This option asks basic health questions but no medical exam.
You may qualify even if you have:
- Diabetes
- High blood pressure
- Heart conditions
- Obesity
- Past surgeries
Benefits include:
- Higher coverage amounts
- Fast approval (often same day)
- Affordable rates
3. Final Expense Insurance
Designed specifically for high-risk individuals, this coverage helps pay for:
- Funeral costs
- Medical bills
- Debts
- Family expenses
Coverage typically ranges from:
- $5,000 to $25,000
This is one of the most common options for people previously declined.
Why Insurance Companies Decline People
Understanding why you were declined can help you find the right policy.
Common reasons include:
- Cancer diagnosis
- Heart attack history
- Stroke
- Kidney disease
- Oxygen use
- Terminal illness
- Multiple medications
- Advanced age
But many specialized insurers accept these conditions.
👉 Request a free quote now from companies that accept high-risk applicants.
The Truth: Approval Is Easier Than You Think
Many people are surprised to learn they qualify even after being declined elsewhere.
That’s because:
- Some policies require no medical exams
- Some require no health questions
- Some accept almost everyone ages 45–85
Approval often takes:
- Minutes, not weeks
How Much Does Life Insurance Cost for Uninsurable People?
Your cost depends on:
- Age
- Coverage amount
- Policy type
- Tobacco use
- Gender
Example Monthly Costs
Age Coverage Monthly Cost
50 $20,000 $45-$70
60 $15,000 $55-$90
70 $10,000 $60-$120
80 $10,000 $90-$180
Rates are fixed and never increase.
👉 Get your exact price instantly here.
Why Getting Coverage Now Is Critical
Waiting can make coverage:
- More expensive
- Harder to qualify for
- Or impossible later
Your health will never be younger than it is today.
Even a small policy can protect your family from:
- Funeral costs
- Debt
- Financial stress
👉 Lock in your coverage today.
Who Should Apply?
You should apply if you:
- Have been declined before
- Have serious health issues
- Have been told you’re uninsurable
- Are between ages 40–85
- Want to protect your family
You may qualify even if you think you won’t.
No Medical Exam. No Hassle. No Pressure.
Modern life insurance is faster and easier than ever.
You can:
- Apply online
- Get approved quickly
- Start coverage fast
All without doctor visits.
👉 Request your free, no-obligation quote now.
The Bottom Line
Being labeled "uninsurable" doesn’t mean you’re out of options.
Thousands of people get approved every day using:
- Guaranteed issue policies
- Final expense coverage
- Simplified issue life insurance
The key is applying with the right companies.
👉 Get your free life insurance quote today.
Compare Guaranteed Issue 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 – Allstate Benefits Insurance Company
Allstate Benefit's Guaranteed Acceptance policy offers $10,000 to $75,000 of coverage to working applicants between the ages of 18 and 70. Rates start as low as $9.65 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply today. Start Here to get a FREE Quote.
NOTE: To qualify, applicants must be working at least 20 hours per week and not collecting any form of disability income or SSDI.
Resources:
- Guide to Guaranteed Acceptance Life Insurance
- Tips for Buying Guaranteed Issue Life Insurance
- Guaranteed Issue Life Insurance FAQs
- Pros and Cons of Guaranteed Issue Life Insurance
- A.M. Best Company: Compare financial strength ratings of life insurance companies
- Life Happens.org: Learn about life insurance and review facts.
About Our Methodology
Reviewed By: President of Term Life Online – AU, AAI, ARM
- 30+ years of experience in insurance planning
How We Keep This Guide Accurate: We regularly updates our content to reflect the latest rates and industry trends. We are committed to providing transparent, unbiased information to help you make the best decision for your family.
At Term-Life-Online.com We value your trust and privacy.
Disclaimer: This is for informational purposes only. Consult a licensed professional for advice.
What Makes You Uninsurable for Life Insurance?
The Easiest Life Insurance to Get Approved For
How to Get Life Insurance After Being Denied
Disclaimer: This is for informational purposes only. Consult a licensed professional for advice.
Disclosure: Compensated Affiliate