Can you get life insurance with pre-existing conditions?

Question

Jack Mayer · Accepted Answer

That's a good question. Insurance companies evaluate applicants, it's called risk evaluation and insurance companies can rate your policy up or decline your application. It's always best to be fully upfront with the insurance agent so you don't waste your own time for the agents

Answered by Jack Mayer on August 6, 2026

Broker Licensed in CA

Answered by Jack Mayer Life Insurance Agent

Clifford Moss · Answer

Yes it depends on the type of policy and the pre-existing conditions.  A guarantee issue policy will be issued regardless of any conditions.

Clifford Roger Moss, Agent
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Mark Boone · Answer

yes you can. It depends on the condition, when it was diagnosed and how its being treated. Some pre-existing conditions do not make a difference while others would cause the policy to be rated, thus increasing the premium while others could be a decline. There are some guaranteed issue policies that can cover someone with severe issues. Those policies usually have graded death benefits, which means for the first two years all your beneficiary would receive is the premiums paid plus a percentage. After two years, those policies usually pay the full death benefit.

Answered by Mark Boone on August 6, 2026

Broker Licensed in MN, FL, MI, NC, SC & VA

Answered by Mark Boone Life Insurance Agent

Vernon Jones · Answer

Yes, you can get life insurance with pre-existing conditions, though your options and costs will depend heavily on specific factors

Can you get life insurance with pre-existing conditions?

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Can you get life insurance with pre-existing conditions?

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