Life insurance for gays



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The underwriting guidelines are stricter for these than traditional life insurance so you have to be fairly healthy to qualify. Where do I find an independent agency I can trust? There are two types of no exam coverage. Underwriting is the portion of the application process where the life insurance company reviews your medical and personal records to determine what rate class you qualify for. Revenue Ruling changed the terms "husband and wife" and "spouse" to incorporate same-sex couples for federal tax purposes, although it still excludes civil unions and domestic partnerships. So if you buy a 20 year term life insurance policy you will be covered if something happens to you within those 20 years, as long as you pay your premium. It usually provides coverage to age 90 or depending on company and policy type.
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