Affordable Life Insurance Protection for Your Family

Life Insurance For The Uninsurable

Is there Life Insurance Available for People Considered Uninsurable?


Today, there are many people who may be considered uninsurable by some life insurance carriers due to their age, health, smoking, DUI’s, use of marijuana, high risk job or high risk occupation, etc.

But just because you have been denied life insurance from one or two insurers, that doesn’t mean every insurance company will turn you down for a life insurance policy.


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How Uninsurable People Can Get Insured for Life insurance


There are several ways you may be able to get insured for life insurance, even if you have been turned down or are considered uninsurable:


  1. Guaranteed Acceptance Life Insurance
  2. Graded Death Benefit Life Insurance
  3. High Risk Life Insurance Carriers


First, if you have applied for a life insurance policy and been denied coverage you may want to contact a local licensed independent life insurance agent that specializes in high-risk life insurance.


An insurance agent that specializes in placing high risk applicants for life insurance coverage will know which insurance companies doing business in your state of residence offer life insurance for people rated as a high risk.


Another option is to consider life insurers that offer direct life insurance for seniors and high risk people in particular. 


Among the leading providers of no health exam life insurance policies for senior citizens and high risk people are:



These plans usually offer a low limit of life insurance coverage starting from $3,000 up to $25,000.


There are no health examinations required but there may be a few medical questions for you to answer when you apply for a policy.


In addition, some of these plans may be graded death benefit policies, which means you won’t have full coverage until you have been insured by the insurance company for a least two years, depending on the insurer and policy.


Also, there are Guaranteed Acceptance life insurance plans available that offer coverage with no health exam needed and no medical questions asked. Your approval for a policy is guaranteed if you meet the age requirement for approval.


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 – 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.


Can You Buy Life Insurance for Someone Who is Dying?

Life Insurance for the Uninsurable

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Disclosure: Compensated Affiliate