In addition, there are life insurance policies available with "Guaranteed Approval".
This means, you cannot be turned down for life insurance coverage due to any health problems.
Guaranteed life insurance plans offer guaranteed coverage for people age 45 to 85.
And, there's no health exam required, and no questions asked about your health.
But, your life insurance coverage will be limited the first two years you are insured. After that, you'll have full coverage.
You can still compare life insurance rates and plans online from several insurers, but you will likely be required to take a health exam to determine whether or not you can get approved for a fully underwritten life insurance plan, depending on the health issue you have, and your age.