How To Buy Life Insurance With Pre-Existing Conditions In 2023

You might believe that having pre-existing ailments will prevent you from receiving life insurance coverage. You should get in touch with us because I am telling you that there is a home for everyone.

Life insurance has indisputable benefit. In the event that you pass away too soon, it can give your family comfort and financial security.

Hence, all you need to do while shopping for life insurance with pre-existing diseases is be aware of what to expect.

Pre-existing conditions frequently result in higher life insurance rates, but you may not always have to pay them if you get a coverage via a particular type of policy.

Term insurance and whole life insurance are the two primary categories. The ideal alternative would seem to be whole life because it offers benefits for lifelong protection with no expiration date, whereas term life offers coverage for a set period (say, 10 years).

Learn how to obtain life insurance regardless of health by continuing to read.

Below, we outline each type’s advantages and disadvantages as well as how it affects your rate depending on the pre-existing condition you have.

Life Insurance with Pre existing Medical Conditions



Can someone with pre-existing conditions purchase life insurance? Let’s Chat…

How can I receive life insurance with a pre-existing condition (or conditions)? would be better. Finding a carrier who will cover you may be challenging depending on your status or health conditions.

Also, if you are able to purchase life insurance while having health problems, the policy will probably be a high-risk one, which is far more expensive than ordinary ones.

Yet, applicants for life insurance will receive reasonable coverage regardless of any pre-existing health conditions provided they know which carriers specialise in particular health impairments.

In all honesty, getting life insurance for those with medical issues is simpler than you may imagine.

Nonetheless, it is still feasible to obtain a respectable coverage and the greatest life insurance for pre-existing medical issues.

The Good News is that there are a number of businesses that focus on providing pre-existing condition coverage for high-risk customers.

The carrier will therefore choose who has the best life insurance coverage for pre-existing conditions.

Each of them specialises in a specific niche. There is no doubt that the premium will increase.

Life Insurance For People With Pre existing Health Conditions

What should I do if I want life insurance but have health issues?

As life insurance companies would rate conditions differently in terms of risk and coverage for pre-existing conditions, this subject is quite pertinent.

In actuality, coverage for those in bad health varies from insurer to insurer.

For instance, those with significant forms of cancer, such lung or prostate cancer, may have difficulty receiving any traditional level term insurance at all.

Also, it could be difficult to acquire the right health insurance, and your death benefit might be restricted.

Don’t Worry… While choosing the finest insurance plan for pre-existing conditions, speak with your independent life agent, who will provide you a terrific option.

He or she has knowledge of the best carriers, underwriting teams, and all kind of life insurance. They will be aware of the carriers who offer the greatest service at the lowest prices for you.

A guarantee of acceptance can be your only choice if you are receiving treatment for a serious health condition. This coverage is regarded as permanent life insurance.

How To Access Life Insurance with Health Problems

They must determine how seriously your ailment is endangering your life. Fortunately, advances in medicine must increase lifespans and improve care for a wide range of medical conditions.

Since more and more life insurance providers are starting to recognise this reality, prices for people with pre-existing conditions are starting to decline.

Sadly, because coverage is not guaranteed by the Affordable Care Act, buying a life insurance policy won’t get the same treatment a health insurance provider will.

In order to reduce your family’s financial burdens, it is crucial to obtain coverage when you have a pre-existing condition.

Life Insurance Quotes For Pre existing Conditions

What prevalent medical conditions will increase the cost of my life insurance?

Below, we’ll go into further detail on many.

Here are several that, depending on your family history, you might have had, might have, or might have.

Pre-existing conditions for life insurance include, for instance:

  • Heart disease or CHF
  • elevated blood pressure
  • Diabetes\sObesity
  • COPD
  • Slumber apnea
  • Stroke
  • intestinal disorder
  • Crohn’s illness
  • Breast Cancer
  • Inflammatory Bowel Syndrome (IBS)
  • celiac illness
  • inflammatory colitis
  • Diverticulitis
  • Disorder of the Gastroesophageal Reflux (GERD)
  • trauma-related stress disorder (PTSD)
  • Both worry and depression
  • disorders of eating
  • Diseases of Obsessive Compulsivity
  • Mental Illnesses
  • Alzheimer’s condition

Life insurance is attainable despite the health issues we’ll discuss. Every insurance provider has a specific market focus and set of standards for calculating the cost of life insurance with pre-existing conditions.

You will frequently hear us say that every carrier sees each person differently. Beyond health, there are other more factors at play. Age also has a role. Pre-existing condition life insurance quotations should take into account your lifestyle.

Can someone with cirrhosis acquire life insurance? is a common query from clients. They can be eligible for a guaranteed acceptance policy depending on the severity.

You should talk to your agent about this so that they can provide you better advice. any pre-existing medical conditions when obtaining the best life insurance quotes.

Can You Get Life Insurance With Pre existing Conditions

There are numerous ailments. Even if it might not be on our list, we have expertise in all of them. Please get in touch with us if you have any questions or if you have a condition. Ask inquiries!

Some customers believe that because of a certain illness, they might not be able to obtain life insurance.

The opposite is not always true.

Dial (855) 380-3300, option 2, to reach us.

No Medical Exam Life Insurance Policy With Pre existing Conditions

YOU HAVE Choices!

If you’re having problems getting accepted by a life insurance provider, a no-medical exam policy might be your best choice.

It is simpler for a high-risk applicant to obtain coverage with one of these plans because they do not call for a medical exam. These policies cost more money, though.

Always make sure you are dealing with reputable life insurance providers. Many of them have excellent financial standing, so they’ll feel more at ease hiring people who pose a greater risk.

The underwriting process for a no-exam resembles the underwriting process for health insurance quite a bit.

There are some limitations that can apply, so you might need to choose a Guaranteed Issue life insurance policy. If you can afford life insurance under this kind of policy, you might be worried.

Ask your independent agent to assist you in analysing it.

If you’d like, you can use a credit card to pay for your insurance. But, you must pay in full or every six months. Ask your agent if you’re unsure.

Pre Existing Conditions Life Insurance


So, the crucial query: Am I still eligible for life insurance if I have pre-existing conditions?

A pre-existing condition can increase your rates if you can get and qualify for term life insurance.

The death benefit of choosing a term policy, however, is much higher. Compared to plans with limited underwriting, this would be advantageous to you.

The list that follows provides a variety of ratings for various health impairments.

Also, based on the severity of the underlying ailment, it will classify various levels of health impairment into distinct rating categories.


Multiple Sclerosis (MS) and Life Insurance

Suspected MS, but not confirmed:

  • < 2 years of the event – Table 4,
  • 3-4 years of the event – Table 3,
  • 4+ years – standard (preferred possible)

Definite MS:

  • < 2 years of the event – Table 6
  • 3-5 years – Table 4
  • 6-10 years – Table 3
  • After 10 years – Table 2
  • Severe Abnormalities, immobility – Decline

Income Protection Insurance Pre-existing Conditions

Is getting income protection for existing medical issues a wise idea? YES!

An essential insurance benefit is income protection insurance.

likewise referred to as disability insurance.

The terms and conditions change depending on the carrier.

When it comes to income protection insurance, you have many options.

There are two types of disability insurance: short-term and long-term, depending on your illness or accident.

The employers of many clients provide them with income protection or disability insurance.

That’s great, but what happens if you lose your job tomorrow? Talk to us right away about disability insurance!

Ho To Get Life Insurance With Pre existing Cancer

Prostate Cancer:

  • Standard if Older ages at diagnosis, Gleason Score < 6, No Gleason 4 or 5 reported.
  • PSA does not rise during active surveillance (watchful waiting) if over the age of 60.
  • PSA is persistently < 0.2 after radiation.
  • Also if PSA is persistently undetectable (<.01) after radical prostatectomy

Breast Cancer:

  • Standard of treatment completed over 5 years ago (excluding tamoxifen), and no evidence of recurrence.
  • 3- 5 years after treatment, fee extra between 5.00-10.00 per thousand.

The only policy available if you need insurance but have pre-existing cancer and are still receiving treatment is a guaranteed acceptance life insurance policy.

You won’t be turned down, and they are guaranteed!!

For additional information on these types of policies, please see our article on Guaranteed Acceptance. These plans typically contain graded limits.

Above all, the type of disease and the stage of a cancer diagnosis will always determine whether you qualify for coverage.

For example, waiting periods may differ from other malignancies if you have late-stage colon cancer and receive successful therapy.

Nonetheless, a term insurance will provide you with the best possibility for inexpensive monthly rates once the waiting time is complete.

Life Insurance with Pre Existing Condition Diabetes

Type 1 and Type 2 diabetes

Type 1 Diabetes 

  • Age at issue – 18-34 Table 4-6 (lower table for a shorter duration (< 7 years) since diagnosis)
  • 35-49 Table 3-5 (lower table for a shorter duration (< 7 years) since diagnosis)
  • 50-65 Table 3-4 (lower table for a shorter duration (< 7 years) since diagnosis)
  • 66+ Table 2-4 (lower table for a shorter duration (< 7 years) since diagnosis)
  • Add 1 table per 1% of A1c over 7%

Type 2 Diabetes

Single Medication Or Diet Controlled

  • Age of Onset 0-17 – Decline
  • 18-34 – Table 3-5
  • 35-49 – Table 2-4
  • 50-65 – Table 1-3
  • Age of Onset 66+ – Standard Plus – Table 2
  • Add 1 table per 1% of A1C over 7%
  • If 2 medications, add 1 table

If two drugs, add one table.

Also, it’s fairly typical for consumers using maintenance doses of both cholesterol and high blood pressure drugs when managing their diabetes.

In fact, an usual treatment plan includes these drugs in addition to metformin.

Since it’s not being used to treat an underlying ailment, taking these medications shouldn’t have have a negative impact on your rate when it comes to underwriting.

Life Insurance Medical Conditions


Is epilepsy a serious condition? It is, indeed! It’s fairly common to wonder if life insurance is available to people with epilepsy or if insurance covers epilepsy surgery.

It depends depend on the kind of medication you are on, how long it has been since your last seizure, and the type.

  • Any surgical corrections – postpone 12 months
  • Complex partial, Tonic-clonic, infantile spasms;(within 6 months -postpone, within 2 years of last seizure-table 3, 3-5 years – table 2, after 5 years Std)
  • Simple partial, Nocturnal, generalized absence;(Within 2 years of last seizure – table 3, after 2 years, standard)
  • Metabolic brain disease, status epilepticus;(within 5 years, decline


If you have sleep apnea, can you still receive life insurance?

Your rates will increase if you are given a CPAP machine by your doctor after being diagnosed with sleep apnea but do not use it.

Many insurance companies that work well with sleep apnea include:

Prudent Mutual of Omaha

If sleep apnea is not treated, what could happen?

You run the danger of developing high blood pressure, heart failure, and even strokes if you have symptoms and do not seek medical attention.

Can a sleep apnea patient pass away? Throughout sleep, your breathing actually stops for a while. Thus, cardiac death is very likely. Consult your doctor at all times!

  • Mild – Standard Plus possible
  • Moderate – Standard
  • Moderate untreated – Table 2
  • Moderately Severe – CPAP nightly – Standard – Table 2
  • Severe, non-compliant – Decline


It can be frustrating trying to find the best life insurance providers for AFIB. Nonetheless, the atrial fibrillation underwriting standards have become increasingly relaxed by more and more life insurance companies.

These are a few ways carriers may consider underwriting classes when deciding on coverage.

Assuming no other impairments are present:

  • No cardiac evaluation – Table 7 to decline
  • No structural heart disease – Table 3
  • Current heart failure – Decline
  • Paroxysmal/Intermittent/Recurrent – Standard possible
  • A single episode, resolved – No rating, Preferred possible


When you have a heart attack, it can be discouraging. The course of life might abruptly shift. You undoubtedly consider the finest life insurance after a heart attack and how to get it while you’re recovering.

Following a heart attack, underwriters will categorise your rating class in the methods listed below.

  • < 40 – Decline
  • 40-50, after 12 months – Table 8
  • Age 50+, 3+ years – Table 4
  • Age 50+, 5+ years – Table 3


It might be frightening to receive a bipolar disorder diagnosis. After receiving a diagnosis, it could be difficult to find life insurance.

In truth, insurance companies simply aren’t modern. Depending on your treatment and if you have a stable treatment plan, your rating for bipolar life insurance will change.

The ratings underwriters will consider while choosing the rate class are listed below.

  • Mild – Stable, maybe taking psychiatric meds but no antipsychotic or MAO inhibitor. No suicide attempts or thoughts of suicide in the past 3 years. – Standard
  • Moderate – Psychiatric medication dosages increased in the past 12 months, with no suicide ideation in the past 6 months. Table 2
  • Severe – Use of MAO inhibitor, changes to medication dosages. – Table 4

How To Find Life Insurance Quotes with Pre-existing Conditions

You can take a number of actions to reduce the cost of your life insurance. When choosing which insurance provider to work with, it’s probably crucial to compare many estimates.

Different medical underwritings apply to different life insurance companies. This implies that their evaluations of people’s risk profiles will differ.

Those with diabetes may receive reasonable rates from some firms, while others may classify them as high-risk.

As a result, shopping around for life insurance quotes might result in significant savings. An impartial insurance agent can assist you with this process.

Using an agent is typically a wise decision because they will know right away which businesses to recommend to you and which to steer clear of.

An agent may be your greatest bet for locating affordable coverage because they’ll have a lot of knowledge in the life insurance sector.

In addition to merely comparing companies, there are various ways to obtain inexpensive security. Your quote will be significantly influenced by your general level of health.

It is strongly advised that you take whatever possible steps to improve your relationship with the life insurance provider before you apply.

Here are a few things you can take to help yourself get a more cheap coverage before applying:

  • Quit smoking — quitting smoking a year before applying for life insurance can cut your rates in half
  • Exercise frequently
  • Lose excess weight
  • Lower your blood pressure and high cholesterol
  • Eat healthier


The amount of coverage to purchase must be carefully considered. Make sure you purchase a sufficient amount of life insurance to provide for your family following your passing.

We’ve included a few topics you might want to think about including below:

  • Mortgage(s)
  • Any debts you may have
  • Children’s college tuition
  • Final expenses (funeral services usually cost around $10,000)
  • Replacement of salary or retirement income

When you have determined everything you want covered, you may compute the final price. From there, you’ll know more about how much life insurance you’ll require.

Benefits upon death shall be paid in one lump payment.


Despite the possibility that you already have a medical condition like cancer, liver or renal disease, diabetes, high blood pressure, diabetes, obesity, or heart disease. Above all, this does not imply that your insurance will be rejected.

Yet, it can raise the price and extend the life insurance application process.

Notwithstanding any prior health issues, here are some suggestions to make the process simpler.

Choosing the ideal agent will allow you to carry on with the process and acquire the most competitive costs.

You can choose the carrier that best suits your needs and the types of policies to choose by working with an independent life agent.

If you select a permanent policy or a 20-year term. Your agent will assist you in making the right decision.

But, if you already have a medical condition, you must exercise patience because securing a high-risk life insurance policy will usually need more effort up front from both you and your representative.

Getting Life Insurance Regardless of Health

Make sure to research your options, understand what must be done, and anticipate the inquiries on your wellbeing that will be asked of you.

Prescription information, cover letters outlining your health issues, or more detailed information may be required if your broker wants a quote from a provider.

Therefore, gather as much information on your condition as you can before you even talk with an agent.

Along with the name, frequency, and dosages of any medications you need, you might also need dates and proof of medical diagnoses or treatments.

Your broker can more easily match you with an appropriate carrier if they have this information on hand.

Best Option For Pre-Existing Conditions?

Locating a Private Agent

A PinnacleQuote independent agent can compare current prices from dozens, typically more than one, carriers.

Collaboration with a single agency is simpler. You can inquire, and they will assist you in determining which coverage is appropriate for you.

By doing this, you avoid wasting time and money as well as the frustration of dealing with numerous agents who are only trying to upsell you on high-commission goods.

The carrier that will provide you the best pricing can be identified through independent agents.

A captive agent, on the other hand, works only for one insurance provider. In terms of items and costs, they have a relatively constrained range of options.

It can be difficult to find an agent who puts your interests ahead of their own. Many customers start by asking for a recommendation or searching online for a local agent.

It’s crucial to understand that they are the majority of captive agent incidents.

A captive agent’s selection of goods is extremely constrained. Make sure the agent you choose has experience with high-risk insurance policies or with your health condition.

We are experts in ALL health impairments at PinnacleQuote.


While speaking with your broker, be as transparent as you can. particularly if you’re seeking for life insurance for anyone over 50.

Be assured that the broker is working for your benefit and is on your side; nonetheless, the broker’s decisions will be based on the information you provide.

It can be quite beneficial to schedule doctor visits, tests, and treatments at the proper times. Understanding medications, dosages, and information from prior laboratory results can also be very beneficial.

You must bring all relevant information about your issue to the table.



Your best resource is using your independent agent’s experience and knowledge to compare options and select the best coverage.

The secret is that your independent agent will comprehend your condition and be familiar with the carriers who will be most understanding of it. The best product will be produced for you as a consequence.

This is especially crucial in high-risk situations because different carriers may interpret health limitations differently.

Choose a business that you are familiar with and at ease with, together with your representative.

Also, your representative must be able to address any queries or concerns you may have with any specific provider.

Most crucial, to help you compare them based more on your condition than on price.

More On Life Insurance and Pre existing Conditions

You might have fewer options for the sorts of coverage you can apply for or are eligible for depending on your health condition.

For instance, fully underwritten insurance demand testing. The examination is typically fairly comparable to a yearly physical examination. Moreover, a prescription check based on your SS# will be performed.

A doctor’s statement known as an attending physician’s statement (APS) is also included.

You might not be able to obtain life insurance that covers you indefinitely if you have certain health issues. Yet, you might be able to purchase life insurance for a specific period of time.

However, those with certain lowered risks might not be able to obtain various riders or benefits, for example, a waiver of the premium rider that protects you in the case of incapacity.

With a guaranteed acceptance life insurance plan, you are guaranteed approval and there are no medical requirements or tests.

Although that sounds fantastic, you will have significant limitations on the amount of coverage you may get and pay higher insurance costs.

Also, they have a grading period during which you might not receive all of the benefits for two to three years. Due to the high premiums and restricted coverage, these products should only be used as a very last choice.


The process may go more smoothly if your doctor and agent are on the same page. When you visit multiple doctors or specialists, the can be very helpful in some circumstances.

This makes it simpler to ask some other medical experts you’ve seen for information about your issue.

It’s also crucial to communicate with your doctor to ensure precision and effectiveness. More often than not, medical records are out-of-date or contain incorrect language.

You want to make sure that your file is accurate and up to date in addition to that.

But, you should also let the doctor’s office know in advance so that it can submit the necessary documentation to the right place right away. In fact, by doing this, the process may be sped up from weeks to days.

When you shop for life insurance, your medical history may be considerably more closely examined if you have any type of health issue.

Yet, putting in some work up front can help you save time and money in the long run. Also, it can enable your agent to do what he does best—get you the best deal possible!

Trip cancellation with Pre-Existing Condition

Does any travel insurance cover pre-existing conditions? is a common question.

We are aware that a pre-existing condition is one that you already have, whether or not a doctor has identified it.

Consult your travel insurance provider about their pre-existing condition rules. There are occasionally exceptions.

Contact Us Right Now To Discuss Your Options 855-380-3300


How can I receive life insurance with a pre-existing condition, you may be wondering. The solution is more complex than you may imagine.

Finding a carrier who will cover you may be challenging depending on your status or health conditions. Even if someone offers coverage, the price could be exorbitant!

If this describes your predicament and you need assistance finding the best kind of plan for yourself, we can help!

We will make every effort to match your demands with what is available in your area and make sure it meets them.

Get in touch with us right away to request quotations from our staff so that we can work together today to produce tomorrow’s better solutions.

Life Insurance Experts at PinnacleQuote

Danny Ray is my name.

I am the Founder and Owner of PinnacleQuote in addition to being an Agent.

PinnacleQuote’s founder and owner is Danny Ray

My objective is to make sure you have the most economical options available to you and to assist you in making the right decision. I have more than 28 years of experience.

Life insurance is not a “one size fits all” product.

I will craft you a plan that is specific to the requirements of YOUR family.

As I have a family of my own, I not only appreciate how important yours is to you but would also like to provide you the same goods that I buy for my own family.

I am a premier life insurance agent to my friends and loved ones here in Jacksonville, Florida, in addition to being a national independent agent with clients in all 50 states.

Give me the chance to demonstrate to you my love and devotion for the science of life insurance.

If you have any questions, give me a call. Call (855) 380-3300 for PinnacleQuote. Why don’t you have life insurance if you have medical coverage?

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