If you have a pre-existing condition, you may be wondering about your eligibility for a life insurance policy. The good news is that there are many policies available to you that will offer the comprehensive coverage you need. Up to 50% of Americans under age 65 are living with a pre-existing condition, making this a common factor many people consider when applying for life insurance.

You can get life insurance with a pre-existing condition

A pre-existing condition is defined as a known illness, injury or condition that existed before an individual applies for health or life insurance. Common pre-existing conditions include diabetes, cancer, asthma and heart disease.

Your insurance company will need to know about any pre-existing conditions you have, but the good news is that many people still qualify for life insurance. Policies are most affordable when you apply while you’re young and healthy, so it’s important to secure coverage as soon as you are able.

How to get coverage

To get life insurance, you will need to apply for coverage. The application will ask for general information such as your name and age, as well as medical history and your occupation.

Some policies may require a medical exam to qualify, but if you have a pre-existing condition you will want to consider contacting an insurance professional to find out which insurance providers will approve your application before taking this step.

With all of this information, the insurance company decides your risk classification. If you participate in dangerous activities that could result in premature death, such as skydiving or scuba diving, you may have a higher risk factor (and in turn a higher premium).

You will also need to choose a beneficiary who will receive the death benefit of the policy if you pass away while your coverage is in force. After your application is submitted, the insurance company will review your information.

The process generally takes between a few days or weeks, depending on the need for a medical exam.  

If you have a complicated medical history, finding a policy and company that will approve you can get tricky.

We recommend working with a licensed advisor who can do all of the research and price comparisons for you. 

Which pre-existing conditions do life insurance companies consider?

Every life insurance company has specific lists of pre-existing conditions, but some of the most common include: 

  • Cancer
  • Heart disease
  • Nicotine use (including smoking)
  • Diabetes
  • High blood pressure
  • High cholesterol
  • Obesity
  • Sleep apnea
  • Anxiety or depression
  • Gastroesophageal Reflux Disease (GERD) 
Best type of life insurance for individuals with pre-existing conditions

For most people with a pre-existing condition, a simplified issue life insurance policy would be the best option. While the application will cover some health questions, most people do not have to complete a medical exam to qualify for coverage.

Simplified issue is generally offered to a wide age range with substantial death benefit amounts available. Your specific coverage will depend on your age and health at the time you apply, as well as how long you want your coverage to last. 

Read More

Learn more about the pros and cons of simplified issue life insurance.

Connect with a Quility advisor to find the most affordable policy

Life insurance can provide financial protection for your loved ones if you were no longer around. With policies starting as low as $20/month, getting life insurance is an affordable way to protect your family and gain peace of mind for years to come. If you need any support when choosing a policy, a Quility advisor is available to answer your questions.

If you are ready to get started, our simple online application for term life insurance takes less than ten minutes to complete. Get life insurance in just a few simple steps today.

Let’s Get Started

If you are ready to get coverage now, our online application takes less than ten minutes.

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Calie Brummer
Head of Digital Communications
Calie Brummer is a staff writer and Head of Digital Communications at Quility Insurance with a focus on financial well-being and life insurance solutions.