How To Get A Million Dollar Life Insurance Policy? 
Unfortunately money is not the simple answer . Money alone can not qualify a person for insurance unless it 's a guaranteed issue type . In that case however a million dollar policy is not available . So one must qualify for a million dollar policy by 1 -RRB- health 2 -RRB- age 3 -RRB- income and 4 -RRB- ability to pay . The last 2 may seem to be the same , but they 're not . Most insurance companies limit the amount of insurance they will issue to a certain multiplier of the annual income of the insured based on their age . 