Seniors & Health

Answers in the seniors & health topic.

• Can seniors or people with health conditions get life insurance?

  Yes. Seniors and people with health conditions can use simplified-issue and guaranteed-issue whole life (often sold as final expense or burial insurance), which ask few or no health questions but offer smaller death benefits and may apply a graded benefit for the first couple of years (confirm). Many health conditions still qualify for traditional coverage at higher premiums, and guaranteed-issue policies accept nearly everyone within an age range but cost more per dollar of coverage.