Life insurance policies are underwritten, meaning in order to qualify for life insurance coverage the underwriter will consider several key risk factors including your age, health, tobacco use and lifestyle, as well as your occupation and any potentially dangerous hobbies you have.
Standard life insurance policies often need a thorough medical examination in order for you to qualify for coverage.
However, Final Expense Life Insurance is very easy to purchase and requires no medical examination or health questions. If you meet the age requirements, and live in a state where the insurer is licensed to write business, you can get insured.
In fact, one highly-rated insurance company offers final expense life insurance for people ages 45 to 85.