Life Insurance FAQ
Can I get life insurance with health issues?
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The short answer
Yes. Many people with health conditions like diabetes, high blood pressure, or a history of cancer can still qualify for life insurance, though rates are usually higher and coverage may be limited. Carriers price each condition differently, so comparing quotes matters.
You usually still qualify
Life insurance carriers underwrite conditions case by case, considering severity, how well it is managed, and how long you have had it. Well-controlled conditions often qualify for standard rates, while more serious histories mean higher rates or lower coverage.
Which carriers take different conditions
Carriers differ significantly in how they rate diabetes, heart conditions, mental health history, and cancer. One carrier may decline a condition another approves. Working with an independent agent who compares 30+ carriers gives you the best chance of a favorable rate.
Guaranteed issue as a fallback
If a health history makes standard coverage hard to get, guaranteed issue life insurance approves anyone without a medical exam or questions. It typically has a two-year waiting period and lower face amounts, but ensures you can get some coverage.
Related questions
Can I get life insurance after cancer?
Yes, often after a waiting period, typically 1-5 years depending on the type and stage of cancer. Coverage and rates depend on how long ago you were treated and your current status.
Can diabetics get life insurance?
Yes. Well-managed diabetes, including type 2, often qualifies for standard or near-standard rates with many carriers. Type 1 and poorly controlled diabetes generally cost more.
What is guaranteed issue life insurance?
Guaranteed issue life insurance approves everyone regardless of health, with no exam or health questions. It usually has lower coverage amounts and a two-year waiting period before full benefits apply.
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