Life Insurance Eligibility Check
Find Out If You Qualify — Even If You've Been Denied Before
Past health conditions, age, previous denials — none of these mean the door is closed. Our network includes specialists in high-risk applicants, seniors, and people with pre-existing conditions.
- Coverage available for ages 18–85
- Options for people with pre-existing conditions
- Guaranteed issue policies available — no health questions required
See If You Qualify for Life Insurance
No medical exam required to check eligibility
More People Qualify Than You Think
Life insurance isn't just for the young and perfectly healthy. Here's who we can help — and how.
Seniors (Ages 60–85)
Final expense and guaranteed issue whole life policies provide $10,000–$25,000 with no health questions asked — enough to cover funeral costs and the burdens you don't want to leave your family.
Pre-Existing Conditions
Diabetes, high blood pressure, past cancer, heart conditions — we work with specialty carriers who evaluate each applicant individually.
Previously Denied Applicants
Being denied once doesn't mean you'll be denied again. Different carriers have different underwriting standards. We shop your profile across our entire network.
Smokers and Tobacco Users
Yes, smokers pay higher rates — but you still qualify. We find you the most competitive rate available for your health class, without judgment.
Young Adults (Ages 18–35)
Locking in a 30-year term policy now means your rate is frozen for three decades — one of the smartest financial moves a young adult can make.
Parents and Families
Life insurance provides income replacement that keeps your household running if the unthinkable happens, whether you have young children or elderly parents depending on you.
Coverage Options Available Through CornerStone
Term Life Insurance
Best for ages 18–65 in good to fair health. $100,000 to $2,000,000 in coverage. 10, 20, or 30-year terms. The most affordable choice for families.
Whole Life Insurance
Permanent coverage that never expires. Builds real cash value over time. Available for ages 18–80. Ideal for estate planning and long-term financial security.
Guaranteed Issue Life Insurance
No health questions. No medical exam. Guaranteed acceptance for ages 45–85. $5,000–$25,000 in coverage — designed specifically for final expense needs.
No Medical Exam Life Insurance
Coverage up to $2,000,000 depending on age and health. Approval in as little as 24 hours with no doctor visits required.
Final Expense Life Insurance
Many plans start under $30/month. Ensures funeral costs, medical bills, and small debts are covered without burdening your family.
We're Here to Help, Not Judge
At CornerStone Life Insurance, we believe every family deserves protection — regardless of health history, age, or past experiences with insurance. Our licensed agents are advisors who work for your family. Even if you've been turned down before. Even if you have health challenges. Even if you're not sure you can afford it. Please check your eligibility — you might be surprised.
- No judgment. No pressure. No games.
- We'll tell you honestly what you qualify for.
- If we can't help you, we'll point you to someone who can.
"I'm 71 with a heart condition. I assumed no one would insure me. CornerStone found me a guaranteed issue policy that covers my funeral and leaves something for my grandchildren."
"I was turned down by two other companies because of my diabetes. CornerStone found a carrier that approved me the same week. I now have $250,000 in coverage."
Protection Starts with One Simple Step — Find Out If You Qualify
You have nothing to lose by checking. It's free, takes minutes, and could be the most important thing you do for your family this year.
See If You Qualify for Life Insurance
No medical exam required to check eligibility
No commitment. No medical exam required to start. Secure & confidential.