Affordable Life Insurance Protection for Your Family
How to Get Elderly Life Insurance in New York State
Are You a Senior Citizen and Resident of New York Looking for Life Insurance?
Today, there are several highly-rated insurance carriers that now offer life insurance in the state of New York for elderly people, including those with serious pre-existing health conditions.
Although many life insurers do not insure people with health problems, due to the high risk of someone being insured and then not having a long-life expectancy, there are plans referred to as "Guaranteed Acceptance" that offer life insurance with guaranteed approval for anyone who meets the age requirements and can pay the premiums charged for the policy.
Today, it’s quicker and easier than ever before for people over age 75 to get the life insurance they need.
And, you can get insured without having to answer any health questions.
Discover how affordable elderly life insurance plans can fit your monthly budget.
The process is quick and easy to request your free price quote for life insurance today.
Many older people between the ages of 45 to 85 choose to purchase a guaranteed issue policy to cover the cost of their final expenses.
It can help provide peace of mind for you and protect your family from the financial burden of having to pay for your funeral and burial costs upon your passing.
In fact, there is a guaranteed issue insurance policy available for people ages 45 to 85 that allows you to purchase from $3,000 up to $25,000 of insurance coverage with guaranteed acceptance – you cannot be turned down
It’s called United of Omaha guaranteed acceptance life insurance and it’s easy to get.
With United of Omaha you Request a Free Price Quote and you can apply for your policy today.
If you are between 45 to 85 years old you can’t be turned down for coverage.
There’s no health examination, and no health questions asked.
Even if you have a health condition or chronic health problem, you can get insured for up to $25,000 of life insurance protection.
United of Omaha Life is rated "A+" Superior by A.M. Best Company for financial strength, which means United of Omaha is a financially secure life insurance company and considered Superior for its ability to meet its financial obligations and pay their claims.
Your guaranteed issue policy comes with a 60-day money-back guarantee so you can get your money back if you are not satisfied with your insurance policy.
It’s important to mention that a guaranteed approval life insurance has a graded death benefit the first 2 years you are insured.
Graded Death Benefits mean you have limited coverage for the first two years you are insured, but after 2 years of being insured you have 100% (full) coverage.
That’s how the insurance company is able to accept everyone for life insurance, even if they have pre-existing health problems, or have been denied coverage by other insurers in the past.
Guaranteed Issue Elderly Life Insurance Explained
Guaranteed Plans provide the security and protection you and your loved ones need, when they need it most. You can help protect your loved ones from the financial burden of paying for your final expenses.
Guaranteed Life Insurance is a type of life insurance policy providing from $2,500-$25,000 of protection, a simple application form and hassle-free underwriting.
Your guaranteed issue policy death benefit is paid to your beneficiary of choice tax-free. You can choose the amount of coverage that is right for you, up to $25,000 of insurance.
Guaranteed Approval insurance coverage can help you provide your loved ones with the money needed to help pay for your burial, funeral, headstone, memorial service, and any other end of life costs associated with your passing, or to leave money to loved ones to do with as they choose.
According to the 2017 funeral price survey by the National Funeral Directors Association, the average cost of an adult funeral is $8,755.00. This is based on the most commonly selected items for a traditional funeral including a casket and vault.
What is Guaranteed Issue Life Insurance?
It’s simple. It is a type of permanent (lifetime) life policy that guarantees your approval for coverage.
It just means you cannot be denied a policy if you meet the age requirements for approval and can afford the premiums charged for the policy.
There's no medical examination required, and you won't have to answer any questions about your health history, or the current status of your health.
So, even if you have a serious pre-existing health problem, you can get insured for life insurance.
What are the Age Requirements for Acceptance?
United of Omaha offers guaranteed approval for people between the ages of 45 to 85.
How Much Life Insurance Coverage Can I Buy?
With United of Omaha you may choose from $3,000 up to $25,000 of coverage.
How Much Does It Cost to Get Insured?
The cost of insurance for someone over 75 will depend on your gender and the amount of life insurance you need.
However, rates for guaranteed life insurance plans start as low as $8.80 per month. Request your free Life Insurance Quote.
Can I Buy Life Insurance for My Spouse?
Yes. You may buy life insurance for your spouse, yourself, or both of you.
What If I Change My Mind?
There is a Risk-Free, Money-Back Guarantee.
With United of Omaha there’s a 60-day money-back guarantee.
So, if you decide you are not satisfied with your policy you can return it to the insurance company within 60 days of your purchase and receive a full refund of all premiums paid. There is absolutely no risk to you.
Can the Life Insurance Company Cancel My Coverage If My Health Changes?
No. The insurer cannot cancel your life insurance policy if your health changes after you purchase your insurance.
The only way they can cancel your insurance policy is if you stop paying your premiums, or you contact the insurer and request that they cancel your policy.
Elderly 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.