When it comes to life insurance, one of the most common misconceptions we hear is that people simply can’t get it.
Maybe you’ve been told you’re “uninsurable,” or you assume your age, health, or lifestyle automatically disqualifies you. The truth is, there are more coverage options available today than ever before, and in many cases, it’s simply about finding the right policy for your needs.
At MetzWood Insurance, we believe everyone deserves protection that gives peace of mind to their loved ones. Let’s separate myth from fact.
Myth #1: “I’m too old to qualify.”
Age is just one factor in determining eligibility and cost, not a dealbreaker. Many insurance companies offer policies well into your 70s, and some even into your 80s.
Even if you’re retired, life insurance can help cover final expenses, pay off remaining debts, or leave a financial legacy for your family.
Myth #2: “My health will disqualify me.”
Pre-existing conditions don’t automatically mean “no.” While health issues can affect pricing, insurers now offer a wide range of options to fit different health profiles.
Some policies, like simplified issue or guaranteed issue life insurance, don’t require a medical exam at all. (Guaranteed issue policies may have limited benefits during the first two years, but they still provide valuable long-term coverage.)
As an independent agency, MetzWood works with multiple carriers, giving you access to more choices and better chances of approval.
Myth #3: “It’s too expensive.”
Life insurance can be more affordable than you think. Premiums are based on factors like age, coverage amount, and policy type, but there are flexible options for nearly every budget.
Term life insurance provides essential protection for a set period, typically 10, 20, or 30 years, and often costs less than many people spend on daily coffee. Permanent policies can build cash value and provide lifelong coverage if that’s a better fit for your goals.
Myth #4: “I already have life insurance through work, that’s enough.”
Employer-provided coverage is a great benefit, but it often isn’t enough. Most workplace policies cover only one or two times your annual salary, and that coverage usually ends when you change jobs or retire.
Having your own individual policy ensures your family remains protected, no matter where your career takes you.
Myth #5: “It’s too late to make a difference.”
It’s never too late to plan ahead. Life insurance isn’t just for young families. It’s for anyone who wants to leave security, not stress, behind.
Whether you’re helping with college costs, paying off a mortgage, or creating a financial cushion for loved ones, your coverage can be tailored to your current life stage and goals.
The Bottom Line
If you’ve ever thought, “I can’t get life insurance,” it’s time for a second look. With today’s range of policies and underwriting flexibility, there’s almost always a solution that fits your situation.
At MetzWood Insurance, we help you compare carriers, explore options, and find life insurance that fits your coverage needs, your budget, and your long-term plans.
Contact your MetzWood advisor today to schedule a conversation and discover the peace of mind that comes with knowing your family’s future is protected.
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