January 24th, 2007 | 
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mindracer asked:
I need a small at least term life insurance policy becasue I have no assests and know my children can not afford my burial etc.. However I have had and do have numerous medical problems which means I will either get denied or rated so high I may not be able to afford it.. Any suggestions or where to start.. Thanks
Herbert Coolbaugh
I need a small at least term life insurance policy becasue I have no assests and know my children can not afford my burial etc.. However I have had and do have numerous medical problems which means I will either get denied or rated so high I may not be able to afford it.. Any suggestions or where to start.. Thanks
Herbert Coolbaugh
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Check with some of you local l veterans organizations. They all have some type of life insurance policies that they offer their membership.
All offer a $1000 accidental death policy as part of the annual membership dues,. Normally this policy is not worth the paper its written on as it only covers accidental death.
Some organizations will offer a term policy that pays a percentage of the death benefit. for example if you purchase a 10,.000 policy, it would only pay 1000 if you died within the lst year or two. Normally this type of policy does not require a medical examination.
If you are still employed, youir employee may offer some type of life insurance benefits.
Good Luck.
I’m not sure of the age you have to be but insurance with pre existing conditions are out there..The policies are for final arrangements and bills is some are left behind. I believe it doesn’t work until after the first two years but you could check on that….Go to the AARP website as I see them advertise for it all the time…..Good Luck..
I am a life insurance agent with a large company. Depends on impariments you have , but there are plans that offer guaranteed coverage no matter what you health. Talk to an agent. That will help. Good Luck
There amy be a few options for oyu considering your current health status.
You can look into each of the following options:
1. Guaranteed Issue Life Insurance offers you up to $20,000 of life insurance with no medical exam required. If you are age 45-75 you can apply online and get approved within minutes. However, rates may be higher than the other options. To learn more visit
2. Globe Life offers people age 78 and under up to $30,000 of simplified life insurance with no medical exam. You can apply online in minutes. Globe Life has more than 2.5 million policyholders. You can start your policy today for juts $1 for the first month. To learn more visit
3. You can request free life insurance quotes online from efinancial. Just fill out one form and get up to 12 Instant Quotes from top-rated insurers. They specialize in high-risk life insurance for people with medical conditions. To request your free quotes, visit
I hope that helps! Best of luck to you.