Life insurance with preexisting condition

Find out how your specific health condition may effect your chances of securing life insurance.

Common conditions

Pre-existing health conditions [A to Z]

Scroll through our comprehensive list of preexisting health conditions and see how life insurance companies may look at your condition.

A through Z – Life Insurance List Of Health Conditions

A


Acid Reflux

ADHD

Alcohol Addiction

Alcoholism

Asthma

Addison’s Disease

Anemia

Aneurysm

Angina Pectoris

Angioplasty

Anorexia

Anxiety

Aortic Aneurysm

Arrhythmia

Arthritis

Atrial Fibrillation

Atrial Flutter

B


Basal Cell Skin Cancer

Bipolar Disorder

Breast Cancer

Bulimia

Bypass Surgery

C


Cardiomyopathy

Cardiac Bypass Surgery

Cardiac Infarction

Cerebral Palsy

Celiac Disease

Cholesterol

Chronic Obstructive Pulmonary Disease

Colitis

Colon Cancer

Colon Polyps

COPD

Coronary Bypass

Coronary Thrombosis

Crohn’s Disease

D


Depression

Diabetes

Diabetes (Type 1 Diabetes)

Diabetes (Type 2 Diabetes)

Digestive Tract Diseases

DUI

E


Eating Disorder

G


GERD

Gastric Bypass Surgery

H


Hepatitis C

Heart Attack

High Blood Pressure

High Cholesterol

Hyperthyroidism

Hypothyroidism

I


Inflammatory Bowel Disease

Irregular Heartbeat

K


Keratinocyte Cancer

M


Melanoma

Myocardial Infarction

Multiple Sclerosis

Myocardial Infarction

O


Osteoporosis

Overweight

P


Prostate Cancer

S


SAD – Seasonal Affective Disorder

Skin Cancer

Sleep Apnea

Squamous Cell Skin Cancer

Stroke

T


Tachycardia

Thyroid Disease

U


Ulcerative Colitis

Underweight

V


Vetricular Arrhythmia

Ventricular Tachycardia

W


Weight

Weight Loss Surgery


 

Simplifying the life insurance shopping experience

It can get quite complicated when you’re shopping for life insurance with preexisting condition. Buying life insurance with a preexisting condition can be frustrating because you don’t really know how every company will look at your specific health.

term life insurance medical underwritingWe speak to people everyday who have previously applied for life insurance with preexisting conditions – only to be denied or rated up.

They didn’t know that the life insurance company that they applied with would not approve their pre-existing health condition.

Let’s look at why this can happen and how you can avoid it.

Life Insurance with Pre Existing Conditions

Health conditions are not looked at the same by the life insurance companies.

Each life insurance company has their own criteria for determining the health rating you’ll qualify for.

term life insurance when unhealthyYour health rating will ultimately decide what you will be paying for your life insurance.

It will also determine if the life insurance company will even provide you an offer for life insurance.

That is why it is so important that you understand…

…how your health will affect your ability to buy life insurance.

Call us at 888-411-1329 if you’re ready for a life insurance quote that is customized for your particular health condition.

This article will provide you a list of common health conditions, diseases, and pre-existing conditions that may affect your ability to secure life insurance.

Each one has information on the health condition and how to qualify for life insurance.

This list is constantly being updated and growing, so check back often for new details.

Affordable Life Insurance with Preexisting Condition

As our population lives longer, term life insurance companies are becoming more willing to approve people that have preexisting health conditions.

life insurance tip and suggestionWorking with an experienced independent life insurance agent is key. Make sure your agent is experienced in impaired risk life insurance.

An independent life insurance agent will give you the best chance…

…with getting an approval for the life insurance you are seeking. They can simply shop your case with all of the best life insurance companies.

The more companies available to you will increase your chances of getting an approval at affordable rates.

Life insurance with preexisting condition

Shopping Life Insurance for Health Conditions

When helping our clients in the beginning stages, there are 2 areas we must focus on first.

term life insurance adviceWe ask specific questions your particular health conditions and your medications.

Once we get a picture of your current and past health, we’re able to zero in on the best life insurance companies for you.

Not every life insurance company will look at your particular health the same.

Some are more strict than others depending on the health risk or medication. Finding the right company is key to affordable life insurance coverage.

Qualifying for Life Insurance with Preexisting Health Conditions

As mentioned before, every life insurance company will look at your health differently when you apply for a policy.

That means that some companies may deny you coverage while others may offer.

The life insurance companies that do offer may differ in the health class rating they offer.

This means that your premium can vary significantly from company to company.

Which Companies Will Offer You Life Insurance Coverage?

Simply call us at 888-411-1329 or click on the link and complete our High Risk Qualification Form.

We’ll provide you a customized quote and research all of your options. Every life insurance company will look at your health differently.

We specialize in finding the life insurance companies that give you the best chance at an approval.

Additional reading

How does the underwriting process work?

Underwriting can be a very complex subject for consumers. What are the underwriters looking at before they offer you a policy?
Read more

How do I find my health class rating?

Your health class rating will determine what you’ll ultimately pay once approved. Figure out your health rating before you get quotes. Read more

How much life insurance do I need?

Too little life insurance can be a disaster and too much coverage can be a waste of money. Let’s figure out the appropriate amount.
Read more

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