Does Everyone Get Life Insurance? 
Unfortunately , not everyone can purchase life insurance . Life insurance like all insurance products is a risk based product . Think of an actuary of an insurance company like a pit boss at a casino . In a raw form you the purchaser are hedging your bet that you may die within a period of time , for example 20 years if purchasing a 20 year level term policy . The actuary or `` pit boss '' is betting based on numerous factors of age , build , life style , occupation , etc. that you statistically wo n't die in the next 20 years . They set the premiums based on your risk factor . A high risk person , for example with terminal cancer , could not purchase a life insurance policy . Just be careful and read the fine print if purchasing a guaranteed issue life insurance policy . There are a lot of stipulations and exemptions built into those types of plans . I would recommend seeking help of an independent broker who will give you unbiased opinions . 