How Do You Qualify For Term Life Insurance? 
How you qualify for term life insurance depends on the type of policy you apply for . If you apply for a guaranteed issue policy , you only have to be within an age range and apply for an allowable face amount . If you apply for simplified life insurance , you usually need to answer a limited number of health questions and do a phone interview . With a medically underwritten policy , you must pass a free life insurance exam . The underwriter may also review your medical records to determine if you fit the health guidelines to get that type of policy . 