Your Health Condition Doesn't Define Your Family's Future
Been told you can't get life insurance? Declined by a carrier? The truth is, most pre-existing conditions are insurable — you just need the right carrier. We compare 48++ to find the one that says yes.
A Health Condition Doesn't Define Your Options
We match your profile to the most favorable carrier — 60 seconds.
What brings you here today?
By submitting this form, you agree to be contacted by a licensed insurance advisor via phone, email, or text message. Standard messaging rates may apply. You may opt out at any time. Your information is protected and never sold or shared with third parties. See our Privacy Policy.
Condition-by-Condition Coverage Guide
Every carrier evaluates health conditions differently. Here's what to expect for the most common pre-existing conditions:
| Condition | Typical Rating | Difficulty |
|---|---|---|
| High Blood Pressure | Preferred to Standard | Low |
| High Cholesterol | Preferred to Standard | Low |
| Type 2 Diabetes | Standard to Table-rated | Moderate |
| Anxiety / Depression | Preferred to Standard | Low |
| Sleep Apnea | Standard to Preferred | Low |
| Asthma | Preferred to Standard | Low |
| Cancer (in remission) | Standard to Table-rated | Moderate-High |
| Heart Disease / Heart Attack | Table-rated to Decline | High |
| Type 1 Diabetes | Table-rated | High |
| Bipolar Disorder | Standard to Table-rated | Moderate |
| Crohn's / Colitis | Standard to Table-rated | Moderate |
| Epilepsy / Seizures | Standard to Table-rated | Moderate |
Ratings are general guidelines. Your actual rating depends on the severity, treatment, and duration of your condition. An independent broker can provide a more accurate assessment.
Why Going Direct Is Risky with a Pre-Existing Condition
Going Direct
- You only see ONE carrier's guidelines
- If declined, it goes on your MIB record
- Future applications become harder
- No one advocates for your health profile
- You may overpay if that carrier rates you poorly
Using an Independent Broker
- We pre-screen against 48+ carriers
- Apply only to the most favorable carrier
- No unnecessary declines on your record
- We advocate with medical context
- Same price — premiums are regulated
Three Paths to Coverage with Pre-Existing Conditions
Fully Underwritten
Standard application with medical exam. Best rates for well-managed conditions. Takes 2-6 weeks.
Best for: Well-controlled conditions
Simplified Issue
Limited health questions, no medical exam. Faster approval (days). Slightly higher rates.
Best for: Moderate conditions, faster approval needed
Guaranteed Issue
No health questions, no exam. Everyone approved. Higher rates, 2-3 year waiting period.
Best for: Severe conditions or multiple declines
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Pre-Existing Conditions FAQ
Can I get life insurance with a pre-existing condition?
Yes. The vast majority of pre-existing conditions are insurable. The key is finding the right carrier — different companies have vastly different underwriting guidelines for the same condition. An independent broker who works with 48+ carriers can find the best match for your specific health profile.
Will I pay more for life insurance with a pre-existing condition?
It depends on the condition and how well it's managed. Many common conditions (high blood pressure, high cholesterol, mild asthma, anxiety/depression) have minimal impact on rates when well-controlled. More serious conditions may result in higher rates, but coverage is still available and often more affordable than people expect.
What if I've been declined for life insurance?
A decline from one carrier doesn't mean you can't get coverage. We regularly help people who've been declined find coverage with a different carrier. Each carrier has different underwriting guidelines — what one declines, another may approve at standard rates.
Should I apply to multiple carriers at once?
No — multiple applications create multiple inquiries on your medical records, which can raise red flags. An independent broker pre-screens your health profile against all carriers to identify the best match BEFORE you apply, so you only submit one application to the most favorable carrier.
Do I have to disclose my pre-existing condition?
Yes, always. Failing to disclose a known condition is considered fraud and can result in your policy being voided and claims denied. Honest disclosure with the right carrier is always the best strategy.
What is guaranteed issue life insurance?
Guaranteed issue policies accept everyone regardless of health — no medical exam, no health questions. The tradeoff is higher premiums, lower coverage limits ($5,000-$25,000), and a 2-3 year waiting period before the full death benefit applies. It's a last resort when traditional coverage isn't available.
Your Condition Doesn't Have to Stop You from Protecting Your Family
We specialize in finding coverage for people with pre-existing conditions. Tell us about your situation — we'll find the right carrier.
Your Family Deserves Protection Regardless
We've helped thousands with pre-existing conditions find affordable coverage.
What brings you here today?
By submitting this form, you agree to be contacted by a licensed insurance advisor via phone, email, or text message. Standard messaging rates may apply. You may opt out at any time. Your information is protected and never sold or shared with third parties. See our Privacy Policy.
Important Disclosure
This content is for informational purposes only and does not constitute financial, tax, legal, or insurance advice. Individual circumstances vary. Consult with a licensed insurance professional or financial advisor before making any insurance or financial decisions. Policy features, benefits, and availability may vary by state and carrier.
Sources & References
- NAIC Consumer Guide to Life Insurance(Accessed Feb 2025)
- 2024 Insurance Barometer Study — LIMRA & Life Happens(Accessed Feb 2025)
- IRS Publication 525 — Taxable and Nontaxable Income(Accessed Feb 2025)
All sources cited are publicly available and were verified at the time of publication. Evolve Legacy Group is committed to providing accurate, up-to-date information. See our Editorial Standards for more information.