Life Insurance for High Risk People

Is it possible to get life insurance for people considered a high risk?

Yes, there are high risk life insurance policies available.

Many people may be considered a high risk due to health issues like diabetes, obesity or smoking.

In addition, your occupation or hobbies may be considered a high risk, including sky diving, mountain climbing, or firefighters, among others.

And, if you are over age 80 or 85 you may be considered a high risk by some insurance carriers.

But, the good news is there are life insurance plans available for high risk people.

You may qualify for fully underwritten life insurance that does require a full medical exam and review of your health history.

In addition, there are life insurance policies offering guaranteed acceptance for people age 45 to 85. However, guaranteed plans usually have limited death benefits the first two years you are insured.

Here's how to learn more about high risk life insurance plans.