If so, you may want to learn how guaranteed policies work.
With guaranteed plans you are guaranteed acceptance for a life insurance policy if you meet the age requirements for acceptance.
Some insurers offer guaranteed plans to people ages 40-80, 45-75 or 45-85.
In addition, there are no health exam required and no health questions asked.
However, you may have graded (limited ) death benefits for the first two years you are insured by your policy - that's how they can guarantee your acceptance for a policy.
Even if you are over 70, have been turned down for life insurance, or have a pre-existing health condition, you can get insured for guaranteed life insurance.
Learn more about how guaranteed life insurance works.