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These companies will also have traditional types of life insurance where there is no wait for sickness death. But if their customers don't qualify based on their health or lifestyle, they can always sign up for a graded death benefit. You can't be turned down, and you've heard that on the TV for a guaranteed issue life insurance policy. So it can be a good fit if you're in very poor health and you wouldn't qualify for any other life insurance.
But be aware of how these things work.
