Life insurance with preexisting condition

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

Common conditions

Pre-existing health conditions

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

How to get life insurance with pre existing 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 with pre-existing conditions.

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.

Can you get life insurance with pre existing conditions


We help people every single day with a variety of pre existing conditions. The articles listed on this page are usually written after we have helped someone secure life insurance coverage.

We’ll help you from beginning to end. From answering your questions to putting in the application. We’re here to help you through the entire life insurance process.

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

Getting life insurance for someone with pre existing condition will depend on a variety of factors. Your health is just one of the major factors.

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.

Make sure you always use an independent life insurance agent who can find the companies who will give you the best chance of an approval. Don’t waste time guessing. Use an agent who is an expert and has the resources to shop your case.

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

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 you a life insurance policy.

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.

Required 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?


Learn how the underwriting process works.
Click Here

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.

Health Class

Will you be Preferred, Standard, or Table rated?
Click Here

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.

How much?

Get the right amount of coverage.
Click Here

Additional reading

Hot topics

Life insurance 101

A great starting point. Learn shopping and insider tips on buying life insurance.

Life insurance companies

Reviews from over 40 of the best life insurance companies

Life insurance payout amounts

How much is life insurance based on the amount of coverage you choose?

Life insurance health conditions

Find out how preexisting conditions affects life insurance

Life insurance rates by age

Find out how much you'll pay for life insurance based on your age.

Life insurance types

Learn about all the different types of life insurance available

Review Date
Reviewed Item
Life Insurance with Preexisting Condition
Author Rating

Leave a Reply