== == It depends on the company and what she was in the assisted living facility for. The question "are you currently residing in, or plan to enter..." is the question on an application that would deny coverage. People could be residents of a facility that would not harm their chances to get future coverage. Joint replacement- you could have someone that decides to stay in an assisted living facility during rehab. When the rehab is done they return home. Just because they were in an assisted livng would not be important for the future underwriting consideration.
In order to qualify for care at an assisted living home around the country you must be able to show that additional help is needed to perform activities of daily living (ADL's), but you wish to live as independently as long as possible. These facilities are reserved for the elderly population, but care is given to those who need it regardless of age.
Yes you can. Life insurance can be issued to anyone even if they are dieing. You need to speak with an independent broker that has access to many companies and can point you in the right direction as to which policy is best for you. Do not just start applying for insurance without finding out what you qualify for 1st. Rated or declined applications make it more difficult to place you.
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