Can I Get Life Insurance with a Pre-Existing Condition?

Yes — most people with pre-existing conditions can still qualify for life insurance. The type of policy, coverage amount, and price depend on the condition, how well it's managed, and how long ago it was diagnosed.

Fully underwritten policies often offer the lowest rates if your condition is stable. Simplified-issue policies skip the medical exam and ask fewer health questions — useful if you've been declined elsewhere or want faster approval.

Guaranteed-issue final expense policies accept everyone in the eligible age range with no health questions. Coverage amounts are smaller, but they ensure your family isn't left with funeral costs.

As an independent broker, we shop across many carriers — and different carriers underwrite the same condition very differently. The right carrier match can be the difference between a decline and an affordable approval.