Answer to Readers Question: If you have a question about the validity of the offer the best thing to do is to contact the department of insurance in your state and ask if they have received any complaints regarding this insurance company. It is also very wise to have your attorney review the offer and verify its validity.

Be cautious if it sounds “too good to be true,” to be able to blindly purchase life insurance through the mail, without the underwriter reviewing your case. I would be very skeptical of that sort of policy.

On the other hand, even seriously ill people can find affordable life insurance coverage – for face amounts significantly larger than the $10,000. The key is finding a knowledgeable broker with experience in placing tough cases.