Yes. In fact, several insurers offer guaranteed issue policies starting at either age 40 or 45.
For example, one highly-rated insurance carrier offers up to $25,000 of life insurance with guaranteed approval for people ages 45 to 85.
Here are some age requirements by carrier:
- United of Omaha - Age 45-85
- Colonial Penn - Age 40-80
- MetLife - Age 45-75
You won't have to take any health exam, or answer any questions about your health status.
And, if you meet the age requirements, you are guaranteed approval for coverage regardless of your health.
However, the death benefits are graded (limited) the first two years you are insured.
That's how they can guarantee your approval for a policy, regardless of your health.
Here's how to get guaranteed life insurance under age 50.