Answer to Readers Question: If you shop around you will find that there was many life insruance companies who offer you a second chance. You can get up to $10,000 of whole life insurance that builds cash value. You can be between the age of 45 to 85 years old. Your acceptance is guaranteed and your application can be pre-approved. Your premium will never increase and your acceptance is guaranteed regardless of the condition of your health. You will be surprised at how affordable this protection can be.