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How to Get Life Insurance if you are Uninsurable

You Are Not Alone

Everyone wants to take care of their family, especially if some tragedy strikes. Unfortunately, the medical screenings by the life insurance providers have disqualified you from getting any coverage because you’ve fallen into what is referred to as the “High Risk” category. You can be thrown into this category for a variety of reasons, from age to cancer, from disease to illness. But, there is very little you can actually do to change this status. So how do you go about getting quality life insurance?

Employer Policies

Regardless of your situation, however, there are several options available. This means, you maybe be able to get coverage, even if you are in the High Risk category. The most popular way of achieving this for people of high risk, is to get insurance through where they work. Most companies and businesses offer benefits packages that do include life insurance. In fact, it is a requirement of the company to offer this option, regardless of any known medical or health issues. Make sure to ask for a life insurance quote regarding this type of policy.


Of course, like all situations, there are drawbacks. For example, employer policies are typically much smaller in comparison to those funded through actual insurance providers. This means about $20,000 up to $50,000 of coverage. Another issue is that your coverage only lasts as long as you’re with the company. Meaning, if you leave or retire, you are no longer covered. And, even worse, is that if you leave during the retirement age, you will probably be uninsurable in the standards of other insurance providers.

Guaranteed-Issued Life Insurance

If work-based insurance is definitely not an option for you, then you can always get an insurance quote for something called “guaranteed-issued life insurance.” Basically, this is the same as standard life insurance, except that they require absolutely no medical exams or screenings before being approved. However, you may have to pay up to 3 to 5 times more than the rate that regular insurance providers ask for! But, if you are uninsurable and retired, then this may be the only option for you. In the end, caring for your family is worth it.

Mortgage Life Insurance

There are many different options out there for you to choose from. if you decide to go the route of guaranteed-issued life insurance. Some of them can actually be applied toward your outstanding debt, and will end up paying off that debt in the even that death occurs. One example, is a common type called “mortgage life insurance,” in which if you pass away, this policy will pay off the owed balance of your mortgage. In this case, that can be a relief because you will not being leaving burden behind on your loved ones.

Do Your Research

Remember that you’re not the only “High Risk” person our there and remember not all hope is lost for you when it comes to getting insurance. In the case that you do choose to go for guaranteed-issued life insurance, just make sure that you do engage in the necessary research before signing any contracts. Ask for a life insurance quote beforehand. Remember, the rates are significantly different for these policies versus others. You’ll definitely want to make sure you know what you’re getting into.