Whether you are over age 75, obese, have a poor driving record, have chronic health problems or any other issue which may make you a high risk for life insurance, there are plans available to get you the life insurance protection you need.
First, you may want to contact a life insurance broker that specializes in placing life insurance for high risk people. This type of broker will have access and experience with life insurance companies that insure high risks. However, you may need to take a physical exam.
In addition, there are guaranteed issue life insurance plans available for people ages 45 to 85. These plans mean you cannot be turned down for life insurance unless you don't meet the age requirements.
With guaranteed issue coverage there is no health exam required and they won't ask any questions about your health. However, your life insurance coverage will be limited the first two years you are insured - that's how they can guaranteed your approval for a policy.
Learn more about high risk life insurance no medical exam required.