Eligibility for life insurance depends on several factors, including your age, health, lifestyle, and the type of policy you’re applying for. Most insurance carriers offer coverage to applicants between the ages of 18 and 85, though available policy types and coverage amounts may vary based on age. Some policies require a medical exam, while others, such as guaranteed issue or simplified issue policies, may not. Pre-existing health conditions, tobacco use, and certain high-risk occupations or hobbies may also affect your eligibility and premium rates.

You can apply for life insurance at any time throughout the year — there is no annual enrollment period. However, the best time to enroll is generally as early as possible, since premiums tend to be lower when you are younger and in good health. Major life events such as getting married, having a child, buying a home, or starting a business are common reasons people choose to apply for or update their life insurance coverage.

Individuals who want to provide financial protection for their loved ones, cover final expenses, pay off debts, or leave a legacy may benefit from enrolling in a life insurance policy. Life insurance can help ensure that family members, dependents, or business partners are financially supported in the event of the policyholder’s passing.

Click Get Started anywhere on this site and fill out our simple questions to start reviewing policy options with a licensed insurance agent. You can also call the phone number on this page.