Life Insurance with Pre-Existing Conditions: What You Should Know
A lot of people think having a health condition means you're uninsurable—but that's not always true.
Whether you have diabetes, high blood pressure, COPD, or even a history of cancer, you may still be eligible for affordable life insurance.
Let's clear up a few things.
What Do Carriers Actually Look At?
Every insurance company has different rules. Some are strict about certain medications or hospitalizations. Others are far more flexible.
That's why it's so important to work with a broker—not just one insurance company.
A good broker shops 20+ companies to find the one that fits your health profile best.
Common Conditions That May Still Qualify
- Type 2 diabetes (even with insulin use)
- High blood pressure or cholesterol
- Arthritis or joint replacements
- Sleep apnea with CPAP use
- Cancer in remission (typically 2+ years)
- Depression or anxiety
Even with these conditions, many seniors are eligible for first-day coverage—no waiting period.
What If I've Already Been Declined?
Getting declined once doesn't mean you're out of options. It just means that company wasn't the right fit.