Most people can get a small life insurance policy without a job, especially policies that do not require medical underwriting. If you are a student, there is some consideration of your future income, and if you are in between jobs, the company will look at that. Net worth does enter into the equation, as well. And people on Disability can get life insurance with some companies, depending on their health.
So it is not a black and white answer, but usually people without a job can get at least a small policy, as long as they have made some income in the past, or if their spouse is employed.
That is a great question! There are companies that don't ask what your employment status is, and that won't blink an eye, as long as you are making on time premium payments. Be aware that insurance is like your car , miss a couple of payments, and *poof* your car is gone. The money that you sink into the policy does too. Thanks for asking!
.JPG){kind=avatar}
So it is not a black and white answer, but usually people without a job can get at least a small policy, as long as they have made some income in the past, or if their spouse is employed.