Most life insurance is medically underwritten and if you aren’t in perfect health, you will pay more or you may be declined altogether.  There is another option for a very specific group of people who want life insurance but have been declined for health reasons.

It is an instant issue policy where you have to answer “no” to three simple questions.  1. Are you terminal?  2.  Are in in a nursing home or assisted living? 3. Are you on oxygen?  If you can answer “no” to those questions, there is a policy out there for you.

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