Affordable Life Insurance Protection for Your Family

Life Insurance with Bad Health

Can Someone With Bad Health Get Insured For Life Insurance?


Yes. There are several highly-rated insurance carriers offering life insurance for high risk people with bad health.


Although many life insurers won’t insure people with serious health conditions due to the high risk of someone being insured and then not having a long to live, there are plans called "Guaranteed Acceptance" or "Guaranteed Issue" life insurance that offer guaranteed approval for anyone who meets the age requirements for acceptance.


One of the leading providers of these guaranteed issue policies is United of Omaha, which offers guaranteed approval for people 45 to 85 years old.


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.


If you have a serious illness or chronic health condition you may be in need of life insurance to cover the cost of your final expenses, including burial and funeral expenses.


It can be difficult finding the insurance you need if you are in bad health. Many life insurers may not insure someone with health problems, or the cost may be so high, it is well beyond your budget.


Guaranteed life insurance plans are able to insure 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 with Bad Health


  • Age – People between the age of 45 to 85 may qualify for a guaranteed issue life insurance policy.
  • Amount of Insurance – Purchase from $3,000 up to $25,000 of life insurance.
  • Carriers – Some of the leading guaranteed issue insurance companies include United of Omaha, Metlife, AARP/NewYork Life and Colonial Penn.
  • Graded Benefits – There is limited coverage the first two years you are insured, then you have full coverage.
  • Level Premiums – Premiums are guaranteed never to increase during the life of your policy.
  • Level Benefits – Life insurance death benefits are 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.


Common Reasons People are Turned Down for Life Insurance


If you are in bad health you may have already applied for life insurance and been turned down due to your pre-existing health condition.


There are many common health-related reasons why people are denied coverage, including:

  • Obesity
  • Cancer
  • COPD
  • Alzheimer’s
  • Emphysema
  • High Cholesterol, Blood Pressure or Glucose
  • Mental Illness
  • Hepatitis B or C
  • Blood or Protein in Urine


Common Reasons To Buy Life Insurance If You Are In Bad Health


  • To cover the cost of your final expenses – burial and funeral costs
  • To replace your income for your family
  • To provide for your spouse’s retirement
  • To pay off credit card debt
  • To pay off mortgage loan
  • To provide for your child or grandchild’s education


Guaranteed Issue 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.


Life Insurance with Bad Health

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Disclosure: Compensated Affiliate