It's possible to get life insurance even if you're sick, dying, or simply afraid of doctors
For many people, getting life insurance is a difficult and daunting task. Because life insurance companies are extremely analytical and very concerned with their potential financial risk, people with serious medical conditions are often forced to pay significantly higher premiums than their healthier peers, if they are even approved for coverage at all.
This fact has led many people to seek out alternatives to traditionally underwritten life insurance, namely guaranteed acceptance life insurance (GALI). Dozens of companies exist whose sole business is providing life insurance to those individuals who cannot obtain it through traditional means.
These companies make it much easier to purchase life insurance because they do not ask many medical questions, and there is never a physical medical exam required.