Basically with Over 50 Life Insurance plans they don’t ask you any health questions, some don’t even ask if you smoke or not. As a result if you make an application for one of these plans you are guaranteed to be accepted whatever your state of health.
If you are healthy and willing to answer a few questions about your health then you could get much more cover for the same monthly premium. This kind of life insurance is called Term Life Insurance.
If you are not in the best of health or have a significant pre-existing health condition then a policy with Guaranteed Acceptance may be your best option for Life Cover.