Can a diabetic who is over fifty years old get life Insurance without answering any health questions? There are two types of no health questions life insurance plans available: Accidental death and Guaranteed Issue. Accidental death life insurance only pays out a death benefit if the insured person dies as a result of an accident. However, guaranteed issue life insurance covers all causes of death that a regular life insurance policy covers. Some guarantee issue plans offer guaranteed approval for anyone age 45 to 85. There's no doctor exam and no questions asked about the status of your health. And, you cannot be turned down due to any health issues. Here's how to get life insurance for diabetics over 50 no health questions asked.