There are a few guaranteed issue plans available that have no health questions. The problem would be your life expectancy. Guaranteed Issue plans will only pay a limited amount, either a percentage of death benefit or return of premium plus interest, for the first two or three years. If your life expectancy is below that two or three years it may not be to your advantage to take out a policy.
You can get life insurance if you are terminally ill if you reside in a state that offers guaranteed issue life insurance and if you fit the age guidelines (most have a minimum age requirement of age 45 or higher). These policies will normally pay 100% from day one for accidental death, but for death due to illness they pay a "graded" amount the first 2-3 years.
I have found that there may be more liberal age guidelines, and the graded part may be shorter, when you purchase your policy through a funeral home. Please do not hesitate to call if we can provide any other advice and our best wishes to you and your family.
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I have found that there may be more liberal age guidelines, and the graded part may be shorter, when you purchase your policy through a funeral home. Please do not hesitate to call if we can provide any other advice and our best wishes to you and your family.