Older people with health issues can easily get coverage, but premiums are high ...

Amy Danise is the staff Senior Insurance Editor for Buy Side. She has helped consumers understand insurance for more than two decades. Edited By Written by Insurance Deputy Editor, Buy Side Jennifer ...

AARP: Best for senior members. Country Financial: Best for customization. Lemonade: Best for large coverage amounts. In the market for life insurance but want to skip the medical exam for one reason ...

AARP: Best for older applicants. Country Financial: Best for policy choice. Ladder: Best for flexible term life insurance. Lemonade: Best for long terms. Lincoln Financial: Best for convertible term ...

Our top picks include State Farm, Ethos and Lantern.

Life insurance companies use a process called underwriting to evaluate your risk factors, decide whether to approve your application and determine your premium. Traditional underwriting, which usually ...