Almost certainly not. Guaranteed acceptance options are available up to age 85, and many plans require no medical exam at all. Being older, or in imperfect health, doesn't automatically disqualify you.

Most senior plans require no medical exam. Some ask a few health questions; guaranteed acceptance plans ask none. We'll tell you up front which path fits your situation.

Health conditions may affect which plans you qualify for and what they cost — but they rarely rule out coverage entirely. Because we're independent, we shop carriers to find the ones that view your situation most favorably.

No. On these plans your premium is locked when the policy is issued, and it doesn't increase as you get older.

On guaranteed acceptance policies, usually yes — and you deserve to know this before you sign. These typically carry a graded death benefit: if death occurs from natural causes within roughly the first two years, the policy returns the premiums you paid rather than the full benefit. Accidental death is generally covered from day one. Plans that ask health questions often have no waiting period at all.

We will always tell you plainly which type of policy you're being offered and whether a waiting period applies. Terms vary by carrier and policy.

Yes — with their knowledge and consent, and where you have an insurable interest, which adult children generally do. Many Indiana families arrange this together, and we're glad to walk both of you through it on the same call.