Seniors often consider final expense, term life, or whole life. The decision ultimately comes down to what each person wants explicitly and likes.

Yes, there are life insurance options available for individuals with pre-existing conditions. Certain insurance policies may not need you to undergo a medical examination, but they may come with higher premiums.

The cost of getting insurance depends on various things, such as how old you are, how healthy you are, what kind of job you have, how much coverage you need, and what type of insurance you want to buy. Riskier factors may result in higher premiums.