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Life Insurance: How To Buy Despite A Health History

Obtaining Life Insurance Through Belonging To An Organization

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Explore other group life insurance options, such as coverage through a bank, credit union, professional or alumni association, or other type of organization, such as a religious organization.

  • With respect to credit unions, if you are not a member of a one, following are alternatives for finding a credit union. Be sure to check eligibility requirements.
    • Check with your employer, family members or organizations of which you're a member to learn about local credit unions and to find out if you are eligible to join one.
    • Several web sites list credit unions by ZIP code. For instance:

Other than banks or credit unions, the more difficult it is to join the organization,  the more likely it will offer life insurance to members. For instance, a requirement that you have a degree that takes seven years to get is more likely to offer life insurance with no or few questions asked compared to an association of people who play poker.

The medical information required to purchase these types of policies varies from group to group and insurance company to insurance company. Because of this, it may be worthwhile to obtain an application for review. If you would not be eligible for coverage because of your diagnosis, simply don’t return the application.

If the company, or an agent, follows up with you, we recommend that you do not indicate that you wouldn’t be eligible for the coverage, but rather that you have decided not to apply at this time.

If you work independently, you may qualify for membership in the Freelancers Union which offers members life insurance up to $100,000 with no medical questions. You must work in a listed industry and either work a minimal amount of time or have minimal earnings to be eligible for membership in the Freelancers Union. To learn more, see offsite link. (If you work or live in New York state, the union can also be a source of health insurance).

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