Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective., so coverage amounts are limited.You may also want to consider it if you have health conditions that would disqualify you from traditional life insurance coverage.
Policygenius can help you compare life insurance policies to find the right coverage for you, at the right price » If you're in your 40s and still do not have life insurance or are concerned about not qualifying due to health, a simplified issue life insurance policy may be your best bet. Traditional insurance policies require a medical exam as part of the approval process known as underwriting. However, that exam means some people will not qualify for traditional life insurance due to health conditions.
Simplified issue life insurance does not have a medical exam, but there is a medical questionnaire. It is usually a quick approval process. Coverage amounts are lower than traditional life insurance policies — around $100,000 or less. However, some life insurance is better than none at all, and can help loved ones pay for
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