Can You Get Life Insurance If You Are Terminally Ill? 
You can get life insurance if you are terminally ill if you reside in a state that offers guaranteed issue life insurance and if you fit the age guidelines -LRB- most have a minimum age requirement of age 45 or higher -RRB- . These policies will normally pay 100 % from day one for accidental death , but for death due to illness they pay a `` graded '' amount the first 2-3 years . I have found that there may be more liberal age guidelines , and the graded part may be shorter , when you purchase your policy through a funeral home . Please do not hesitate to call if we can provide any other advice and our best wishes to you and your family . 