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Sometimes you need life insurance when you least expect it. For example, if it’s after you’ve found out some devastating health news or you’ve aged beyond the point where anyone is in ‘perfect health,’ it could be more difficult.

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So, are you out of luck if you aren’t in great health, or are there health insurance options to help you?

The good news is there are life insurance plans for people in poor health. The key is understanding their work and deciding which one is right for you.

How do you Pass a Medical Exam if you’re in Poor Health?

Preparation for Best Possible Result in Life Insurance Medical ExamMost life insurance policies include a medical exam, so how would you pass one if you’re suffering from old age or a chronic illness?

The good news is you don’t have to pass a medical exam. In addition, there are options for seniors that don’t require a medical exam.

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However, there’s something you should know.

These no-medical exam life insurance policies have higher premiums and often have a waiting period. It’s not a deal breaker for most seniors, but it’s important to understand.

What are your Insurance Options?

So what are your options for life insurance if you’re in poor health? These life insurance policies don’t require a medical exam.

Simplified issue – With a simplified issue, you don’t have to take a medical exam. However, you must answer some medical questions. So if you’ve had heart problems, cancer, high blood pressure, or diabetes, you may not want to choose this option as you’ll likely get declined. On the other hand, if you’re in decent health with no chronic issues, you can get this policy without a medical exam.

Guaranteed issue – With guaranteed issue, you don’t have to take a medical exam, and you don’t have to answer any medical questions. Everyone qualifies no matter their health conditions; however, premiums are higher, and the maximum coverage amount is lower.

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Final expense – With final expense insurance, your loved ones receive enough to cover your burial, funeral, and final medical expenses.

Something to keep in mind with these policies is that there may be a waiting period. If there is, your beneficiaries won’t receive your death benefit if you die within the waiting period. For most policies, it’s two years.

What is the Best Life Insurance for a Senior in Poor Health?

So what is the best choice for life insurance for a senior in poor health?

In most cases, the most affordable is final expense insurance. It leaves enough for your loved ones to cover your final expenses without the financial burden and doesn’t overburden you with high premiums.

Suppose you need something more, such as money for a loved one you support. In that case, a guaranteed issue is the next best option unless you don’t have any serious or chronic health issues and could pass the simplified issue life insurance questionnaire.

Final Thoughts

Before choosing the best life insurance for seniors in poor health, consider why you need a policy. For example, are you supporting a loved one or want to provide enough funds for your loved one to handle your final expenses?

Consider the premiums you can afford and what makes the most financial sense. You aren’t obligated to leave money behind for loved ones, especially if you aren’t financially supporting someone while you’re alive. So choose the most affordable policy that leaves you with the greatest peace of mind.


Meet Aaron H., a senior life insurance agent from California with 15+ years of experience. With a major in finance, excellent analytical and communication skills, and a passion for helping clients find personalized solutions, Aaron is a trusted advisor in the industry. He stays up-to-date on the latest trends and developments by attending webinars and workshops, reading industry blogs, and writing informative blog posts on this website. Aaron also has a keen understanding of SEO and online marketing, which he uses to help his clients reach a wider audience and get the coverage they need. He cherishes spending quality time with his wife, two children, and elder parents.