The reality is most agents dont want to be bothered writing a $10
,000-$25,000 policy because its not profitable for the agent. There are plenty of companies that are willing to write your case, you just need to find one, and get on the phone with that agent/agency as soon as possible. Life insurance is not a commidity, it is a neccesity for all families regardless of income. The other issue we see clients having is a past criminal history. While its true most carriers will not issue a policy to someone on probabtion. A true guaranteed issue life insuranceproduct will issue a policy regarless of criminal history. The underwriting guidlinesfor each life insurance carrieris different. Call an experienced, high risk life insurance agent to help navigate the complexities of your case.