Can I Purchase Life Insurance A Few Months Before My Heart Surgery? 
That 's a great question ! First of all , let me offer my hopes and prayers for your health and recovery . You are in a situation that really highlights the benefits of purchasing life insurance before the need , and how easy it is to fall between the cracks . If you are over 40 , you can purchase what is called a `` guaranteed issue policy '' . They are a little more expensive usually than other policies , but ask few if any health questions . The downside to them , other than higher cost , is that they all have a period called a `` grade '' where the payout should you pass is just what you 'd paid in , plus some interest . My advice would be to find an agent to help you find one that will have the shortest grade and the highest interest , to best protect yourself . If I can help in any way , please contact me . Again , best of luck , and prayers for you . Thanks for asking ! 