When you are young is the best time to buy life insurance in CA. Non-smokers who are in good health will probably find it harder to obtain affordable life insurance as they get older and if they are not in the best of health it can be virtually impossible. There are still however, a number of options for purchasing life insurance after you retire and one that could be worth looking into is guaranteed issue life insurance.

As a retiree you may only want life insurance to cover burial and funeral costs and the solution could lie in a guaranteed issue policy. These life insurance policies do not require a medical exam or medical questions to be answered, and may suit an older person who is having difficulty in finding a suitable standard policy. As they are sold without medical underwriting, they tend to be more expensive than standard policies and offer limited benefits – typically of no more than about $20,000. 

Should you just be after a policy to pay for basic costs such as burial and State / Federal taxes, you might want to consider a guaranteed issue policy for life insurance in CA. Residents who think this type of insurance coverage would suit them should ask their insurance agent to provide them with more information. 

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