How to Get Life Insurance with a Pre-existing Health Condition

Written By Alla Levin
October 04, 2019

How to Get Insurance with a Pre-existing Health Condition

It’s no secret that the younger and healthier you are, the lower your rates will be to getting life insurance. Typically, online insurance companies will group buyers into one of several rate class options based on their health and the level of risk they represent. Generally, the healthiest buyers will be offered the best rates.

The majority of people will qualify for standard rates, but those with pre-existing health conditions tend to qualify for the worst prices or even get denied altogether. The good news is that not everybody with health conditions is turned away from life insurance. Here’s what you can do to improve your chances of getting great cover at a reasonable price.

Look for Specialized Companies

Just because most insurance companies will only offer their best rates to healthy, young customers doesn’t mean that there are no companies that will offer you a policy. In fact, as more and more people these days are signing up for life insurance, there is an increasing number of insurers who are willing to provide customers with a policy regardless of their pre-existing health conditions.

In fact, more and more people these days are signing up for life insurance from

It may be worth searching for insurers who deal primarily with this issue or searching for a no exam insurance provider on a comparison site like Insurance Geek, where you will not be required to undergo a medical exam before you can take out a policy.

Speak to the Insurance CompanyLife insurance companies

Life insurance companies all have their own underwriting standards, and some are more likely to be lenient with certain health conditions than others. Don’t give up hope if you have been rejected for a quote online – many only systems are designed to do this. Still, if you speak to the company further and explain your situation, they may be willing to take your individual circumstances into account.

In general, conditions such as heart disease, diabetes, high blood pressure, obesity, and mental health problems will raise red flags when searching for life insurance but do not necessarily mean that you will be denied.

Demonstrate a Healthy Lifestyle

Being able to demonstrate that you are managing your pre-existing health condition well, such as taking medication, eating a healthy diet, and exercising regularly, will all go in your favor when it comes to getting lower life insurance premiums.

It’s a good idea to work with an independent agent who can assess your risk level and take your healthy lifestyle choices into account when finding you a life insurance policy. Smoking and excessive alcohol consumption may also stand in your way of getting life insurance, so getting help to quit if you need it is also an important step.

Alternative Options

If you’ve tried everything and you’re still being denied insurance, then don’t worry – there are alternative options available. Certain people may be eligible to buy group life insurance through their employers. You may also be eligible for life insurance offering lower coverage but bear in mind that you may be paying more than the average. If you have a health condition, getting good life insurance coverage can be tricky – but it doesn’t have to be impossible!

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