Ned loves the outdoors and he lives in Billings, Montana, he wanted to know: “Do you have any chances to get a life insurance if you were once declined due to medical history but currently you are in good health?”

Billings is the largest city in the state of Montana and is nicknamed Magic City because of its rapid growth from its founding as a railroad town in 1882. There are a number of activities in and around Billings. You can go hiking, rock climbing, mountain climbing, fish, art walks and rodeos. The Wine and Food Festival is held in May. Billings has several attractions such as Yellowstone Art Museum, Moss Mansion Historic House Museum, the Western Heritage Center, the Billing Depot and Skypoint.

Ned the answer to your question is: Yes, some insurance companies do not ask any health question at all. Most of these are “term Life Insurance”, but when filling any forms you should answer all the health questions honestly or your policy could be cancelled later.

You can can term life with a little higher rate depending on your health and how long you have been in good health. Please note that there will be some increase in your rate as you get older but the amount of life insurance will stay the same, until you reach the age of 75 or 80, then you will no longer be insured. You may be able to get Whole Life Insurance if the reason you were declined has changed for the better and enough time has passed since you have been “In Good Health.”

Find an insurance agent who can try to place you with more than just one company.