Can I get life insurance if I have diabetes or heart disease?

Question

Bill Sandefur · Accepted Answer

With some carriers yes. Various insurance carriers will take on additional risks to the insurance company if the assured or proposed insured is willing to pay a much higher premium or willing to settle for a much lower death benefit

Answered by Bill Sandefur on June 22, 2026

Agent Licensed in GA

Answered by Bill Sandefur Life Insurance Agent

Dean Chiapetto · Answer

The answer is YES! If you cannot qualify for a fully underwritten policy you may qualify for a graded policy or a guaranteed policy. A graded policy asks some health questions and a guaranteed policy asks few questions. Both policies will have a waiting period before they pay the full face value. If you die during the waiting period your beneficiaries will receive what was paid in plus interest. Contact a qualified Broker.
Brokers Make a Difference!!!

Josh Koon · Answer

Yes, there are carriers who will insure you despite many potential health conditions. It's important to be straightforward with your agent so they can help you find the best available coverage for you and your situation. It's also important to pursue insurance as early as possible, as things that end up in your health history don't ever get deleted.

Answered by Josh Koon on July 9, 2026

Agent Licensed in WI, CA, FL & 6 other states

Answered by Josh Koon Life Insurance Agent

Pete Kelly · Answer

Yes, there are multiple companies that offer life insurance if you have diabetes.  I specialize in helping those clients.

Milton Fregia · Answer

Having diabetes or heart problems doesn’t mean you can’t get life insurance. It just means we need to find the right company that works best with your health.

Bonetta Culp · Answer

Yes, there are some life insurance companies that will issue a guaranteed life insurance plan and people with diabetes, heart issues and other medical issues can apply and obtain coverage

Jeremy Watson · Answer

The simple answer is yes, there are coverages available regardless of health conditions. The important part to keep in mind is that based on the extent of the diagnoses, the type of coverage may change. You may qualify for a level benefit, with day 1 - 100% coverage or it made be a modified benefit policy. You may be able to qualify for fully underwritten coverage, or it may have to be guaranteed issue. Working with an agent that has access to all plan types, and can offer a risk analysis, will place you with the appropriate coverage at the best cost for you.

Answered by Jeremy Watson on July 30, 2026

Agent Licensed in IN

Answered by Jeremy Watson Life Insurance Agent

Can I get life insurance if I have diabetes or heart disease?

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Can I get life insurance if I have diabetes or heart disease?

Agents: Share Your Expertise

Seniors: Ask a Question of Your Own

Related Questions

Agent Locator

Life Agents HubA non-government resource website

Life Agents Hub
A non-government resource website