My father needs life insurance and has health problems. He needs something with low monthly payments, but will provide enough if he has a natural death.
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Define "enough". The odds are always going to be stacked in favor of the life insurance company. If he wants a low payout policy - just enough to cover funeral costs - he can get a "no exam" policy through aarp or similar. But there are QUESTIONS, and he has to wait out a period where he's paying the premium, but can't collect if he dies - usually 2 years. Which is enough time for them to collect enough money from him, to be able to pay him.
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