Can Everyone Get Life Insurance?

  1. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Nearly everyone can get life insurance. If they do not qualify for medically underwritten life insurance, most people can get simplified issue life insurance, and if they cannot get that, everyone who fits the age limits for guaranteed issue life insurance can get it. Not all states offer guaranteed issue life insurance, and not all ages can get it. So there are some persons who end up being unable to get life insurance. But again, nearly everyone can get life insurance of some sort.
    Answered on August 16, 2013
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  2. 5877 POINTS
    Stan Cox II
    Insurance Adviser - Broker, SC Insurance Services, Oahu, Hawaii
    The short answer is - No. Not everyone can get life insurance. By far most can be insured, but there are some conditions which preclude insurability. Someone mentioned Lloyd's of London in reference to getting insured when past the age limit for life insurance, but I'm not familiar with Lloyd's and how far beyond normal they go, but most insurance companies will not insure anyone over 85 years of age.
    Answered on September 15, 2015
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