Here’s how to purchase Final Expense, almost and GUARANTEED issue Life Insurance:
Fidelity Life Brochure – Simplified Medical Questions – Graded Death Benefit
North Coast Life.com Graded Death Benefit – Simplified Issue – 5 questions
United (Mutual) of Omaha – Living Promise (Website General Info)
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Questionnaire’s to see if you might qualify for a rated policy, rather than simplified or guaranteed graded benefits. These policies should work for terminally ill, obesity, HIV and cancer as long as one lives long enough and can answer the questions favorably.
Simplified Sample Questions
If the answer to any of the following questions is “YES”, the proposed insured is not eligible for the insurance applied for.
Is the proposed insured currently: Bedridden at home or confined in a hospital, nursing home, or long term care facility?
Has a member of the medical profession ever diagnosed or treated the Proposed Insured for Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC)?
Within the past year has the Proposed Insured:
(a) had a stroke, angina, heart attack or failure, cardiac or circulatory surgery, or Diabetes (requiring shots)?
(b) had or been treated for internal cancer or melanoma, leukemia, kidney failure, Alzheimer’s disease, alcoholism, drug dependence, or liver cirrhosis?
(c) used oxygen equipment to assist in breathing or had any amputation caused by disease? (nc life.com)
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