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Life Insurance: How To Buy Despite A Health History

Obtaining Life Insurance Through Your Partner Or Spouse

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If you have a spouse or partner who is working, or belongs to a group or organization that offers life insurance benefits, check to see if you can obtain life insurance through the spouse or partner's plan. You may have to wait for an "open enrollment period" when you can obtain insurance with no health questions asked to avoid having to provide evidence of medical insurability.

It is theoretically possible to marry just to obtain insurance such as life insurance. It's a big step to take, but it may be worth it - particularly if you also don't have health insurance and this is the only way you can get it.

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