High Risk Life Insurance for Sick People
Are You Sick and In Need of Life Insurance?
If so, you’ve come to the right place to shop for your coverage.
Today, there are several highly-rated life insurance companies that now offer life insurance for high risk people with health problems.
And, you may be able to shop, compare plans and pricing, and apply completely online for your policy.
Although many 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 Acceptance" 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 plans are able to accept anyone for life insurance that meets the age requirements because they provide limited death benefits (graded benefits) the first two years you are insured. After that, you have 100% full coverage.
Factors to Consider When Choosing Life Insurance
- Age – People age 45 to 85 (50-75 in NY) 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 Mutual of Omaha, Metlife, AARP/NewYork Life 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
- Depression
- COPD
- Osteoporosis
- Heart Disease
- Diabetes
- Hypertension
- Hearing Impairments
- Arthritis
Additional Senior Health Conditions
- Cancer – Lung, Prostate, Breast, Liver, Kidney, Bladder, Bone, Brain, Cervical, Colon
- Stroke
- Glaucoma
- Osteoarthritis
- Pneumonia
- Respiratory Diseases
- Cirrhosis
- Obesity
- Epilepsy
- Kidney Disease
- Hepatitis A and Hepatitis B
- High Blood Pressure
- High Cholesterol
- AIDS/HIV
- Asthma
- Bipolar Disorder
- Crohn’s Disease
- 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 insurance company 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
Guaranteed Acceptance Life Insurance Companies
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High Risk Life Insurance for Sick People
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Disclosure: Compensated Affiliate