Eligibility
See If You Qualify for Life Insurance
Most people qualify for some type of life insurance. Here is how to see if you qualify. Answer a few questions and a licensed agent will show the coverage you are likely to qualify for, from fully underwritten term life to guaranteed issue.
What Affects Whether You Qualify?
Carriers consider age, height and weight, tobacco use, medications, recent hospital stays, and serious conditions. If one carrier declines, another may approve, and guaranteed issue coverage is available for most adults up to age 85 with a graded benefit.
- Most applicants qualify for at least one policy type.
- Different carriers judge the same health history differently.
- Guaranteed issue is available when other options are not.
Table of Contents
Up to $500,000 Coverage — No Medical Exam. No Hassle.
Rates from $3.67/mo.
We compare 30+ companies to find your lowest price instantly.
👉 Why Thousands Choose Octans Insurance
✔ No Medical Exam Options
Skip the doctor’s office. Many policies approve instantly with just basic questions.
✔ Instant Price Comparisons
We shop 30+ A-rated companies to find your lowest available rate—saving you time and money.
✔ Guaranteed Level Rates
Your price is locked in. The insurance company cannot raise your premium as long as you keep your policy.
✔ Fast, Hassle-Free Process
Most people finish their quote in under 60 seconds.
✔ Licensed, Real Human Support
When you need us, we’re here. We guide you through choosing the right plan for your family.
👉 About Us
🛑 Don’t Leave Your Family Unprotected
Life insurance is the only bill your family will be glad you paid.
Lock in low rates today — before prices increase with age.
🔒 Security & Privacy Statement
Your information is safe and never sold. Quotes are always free and no obligation.
What Type of Life Insurance Might You Qualify For?
To see if you qualify, start with your health and age. This table shows the policy types people in each situation usually qualify for.
| Your situation | Policies you may qualify for |
|---|---|
| Healthy, under 60 | Fully underwritten term or whole life, often with no exam |
| Managed conditions such as high blood pressure or diabetes | Term or simplified issue, depending on control |
| Recent serious illness | Simplified issue final expense after a waiting period |
| Declined elsewhere | Guaranteed issue (no health questions) |
| Ages 50 to 85 | Final expense or guaranteed issue whole life |
What Questions Will You Be Asked?
Most applications ask about tobacco use, recent hospital stays, serious diagnoses such as cancer or heart disease, and current medications. Answer honestly; misstatements can lead to a denied claim.
What If You Are Declined?
A decline from one carrier does not mean you cannot qualify elsewhere. Carriers treat health conditions differently, and an independent agent can apply where you are most likely to be approved.
The quickest way to see if you qualify is a short conversation with a licensed agent, who can check several carriers at once. Even if one company says no, you may still qualify for life insurance elsewhere.
Independent consumer information: NAIC guide to life insurance.
Qualifying FAQ
Can I qualify with diabetes or heart disease?
Often yes, especially through simplified issue final expense. Some conditions lead to a graded benefit.
Does checking eligibility affect my credit?
No. Checking life insurance eligibility does not affect your credit score.
Related Pages
Important: Octans Insurance agents are licensed in the states in which they operate. Coverage availability and rates may vary by state. Premium examples, when provided, are illustrative samples from published sources, not quotes. Final rates are determined by the insurance carrier based on underwriting and applicable policy criteria. Policy terms, exclusions, limitations, riders, and availability vary by carrier and state.