Life Insurance with Osteoporosis

You might not think affordable life insurance with Osteoporosis is possible, but it is.

There are several top insurance companies offering life insurance policies for people with Osteoporosis. And our independent agency is here to help you shop your best price.

If you’re between ages 50 and 85, you cannot be turned down due to health reasons. Your acceptance is guaranteed.

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Instantly see rates from top providers offering life insurance for people with Osteoporosis.  

We help save you time and money on your policy.  Get started today.  


Osteoporosis And The Need For Life Insurance 

Osteoporosis affects both your health and your bank account.  

The Health Impact

The word Osteoporosis means porous bones. Characterized by low bone mass and the deterioration of bone tissue, this disease accelerates the rate of which bones deteriorate. As a result, patients experience weak and brittle bones, which bring an increased risk of fractures and breaks. 

Known as the “silent disease,” bone density can significantly decrease over many years without displaying noticeable symptoms.  

Here some startling statistics.  

  • Women’s risk of fracture is equal to her combined risk of breast, uterine, and ovarian cancer.
  • Men are more likely to break a bone due to Osteoporosis than he is to develop prostate cancer.
  • 24 % of hip fracture patients over age 50 die within one year of their fracture.

The Financial Impact

Living with any chronic health condition is likely to bring financial uncertainty along with it. Disruptions in working life, prescription drugs, and life adjustments all can take a toll on your finances. 

There’s no telling how your condition might affect you financially. However, keep in mind that fractures and breaking of bones can result in expensive surgeries, time off work, or further health complications. 

Unforeseen medical expenses are the number one reason why people have financial difficulty throughout retirement.  

How Life Insurance Can Help

A life insurance policy provides guaranteed funds that help to reduce or eliminate end-of-life costs. Your beneficiary receives a tax-free lump sum death benefit immediately upon notification of death. Life insurance funds can pay for funeral expenses, medical bills, credit card debts, or any other financial need of your loved ones. 

Life insurance provides a financial safety net around those you love most. Securing your policy can bring peace of mind knowing that the funds will be there when needed the most.  

Life Insurance Options for People with Osteoporosis

There are two types of senior life insurance policies for people with Osteoporosis. The severity of your symptoms will determine which policy type is best for you. 

Final Expense Life Insurance policies are available for people with mild conditions and who do not have other health complications. These are whole life policies with no medical exam. However, there are a few health questions, and not everyone will qualify. Those who do will enjoy the following benefits:

  • up to $40,000 in coverage
  • low rates
  • multiple carrier options
  • chronic and critical health protection options
  • day one coverage

Guaranteed Acceptance Life Insurance policies are available for individuals with severe symptoms or have additional chronic health conditions. There are no medical exams or any health questions whatsoever. As long as you’re between ages 50 and 85, your acceptance is guaranteed. These policies have the following benefits:

  • up to $30,00 in coverage
  • Zero health requirements -guaranteed acceptance
  • Living benefits
  • Multiple carrier options
  • Super simple applications

Our dedicated experts are here to help you determine which type of policy is you’re eligible for and then help you shop all the top providers offering those policies. 


Finding Your Best Rate

Many factors affect the cost of your policy. Your age, sex, state of residence, size of the policy, and which carrier you purchase from all affect your premium rate. 

Insurance carriers compete for your business. However, many individuals do not take the time to shop the top carriers, and as a result, often overpay for their coverage. Although there is no single best insurance company to purchase from, there are several carriers who stand out above the rest.   

We believe that the following three carriers are the best choice for individuals seeking life insurance with pre-existing medical conditions. They have the most competitive rates and the highest ratings from current policyholders. 

Aig Life Insurance  Gerber Life Insurance – Mutual of Omaha Life Insurance

Our independent agents help you compare life insurance companies side by side to help you navigate to your best policy and price.

How to Enroll

Enrolling in life insurance with Osteoporosis is easier than you might think.

To begin, fill out the form on your screen to instantly see personalized quotes from all the top providers operating in your state. 

The application process is simple and takes about 15 minutes over the phone with one of our agents. 

Once enrolled, we ship your policy directly to you for review. Most states allow a 30 day free-look period in which you can review your policy risk-free.  We’re here to help you the whole way through. 

Find out why thousands of people have trusted us to help them protect what matters most. 

Explore your options today by claiming your free quote.


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