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It’s no secret: The younger and healthier you are, the cheaper your life insurance premium will probably be. As such, a pre-existing health condition can adversely affect your coverage options.
This is a common issue among life insurance shoppers. Most U.S. adults report having one or more chronic conditions, according to the Centers for Disease Control and Prevention. While having a medical issue doesn’t automatically disqualify you from buying life insurance, it may result in less choice and higher costs.
What is a pre-existing condition?
A pre-existing condition is a medical issue you were diagnosed with or treated for before applying for life insurance.
Each insurer has its own underwriting process, which is the way they assess applicants' risk profiles. Some insurers are more flexible about certain health conditions than others. In general, you’ll raise a red flag if you have one or more of the following pre-existing conditions:
- Anxiety.
- Asthma.
- Cancer.
- COVID-19.
- Depression.
- Diabetes.
- Epilepsy.
- High blood pressure.
- High cholesterol.
- HIV/AIDS.
- Heart disease.
- Obesity.
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Can you get life insurance with a pre-existing condition?
If you have a pre-existing condition or chronic health problem, you can still qualify for life insurance. In fact, some life insurers offer coverage designed for people with serious health conditions such as diabetes, HIV infection, and even cancer.
However pre-existing conditions can complicate getting affordable life insurance coverage, especially for older adults. Insurers may ask you to provide medical records showing your condition has been treated, is in remission, or is well-managed before approving you for a policy.
How much does life insurance with a pre-existing condition cost?
Insurers typically group applicants into rate classes based on their health, such as standard, preferred or super preferred. The name for each class varies among insurers, but the goal is the same: to categorize the risk of insuring you based on your life expectancy.
Most people qualify for preferred or standard rates, but if you have a serious health condition, you may qualify only for substandard rates. Why? Depending on the situation, a pre-existing health condition might cause an early or unexpected death, which increases the risk for the insurer. As a result, the cost of the policy is higher. If the risk is too high, the insurer may deny coverage completely.
Medical advances have improved outcomes for many patients with serious health issues and, in turn, led to better rates. If you’re in remission or your chronic condition is well managed, coverage may not be as expensive as you think.
Use our calculator to find out how much coverage may cost based on your medical condition.
» MORE: Average life insurance rates
» MORE: Average life insurance rates
Life insurance options for people with pre-existing conditions
Don’t assume you’ll be turned down for life insurance just because of a chronic health condition. Insurers may quote a higher premium, but coverage is still accessible. Here are a few companies that offer coverage for people with specific medical conditions.
| Company | Policy details |
|---|---|
| | Guardian Life offers a whole life insurance product for people with HIV. Also, applicants 70 and younger may qualify for standard rates with certain pre-existing conditions, such as anxiety, depression, Type 2 diabetes, cancer, coronary artery disease, hypertension and obesity. |
| | John Hancock’s Aspire™ with Vitality policy is specifically designed for people living with Type 1 or Type 2 diabetes. |
| | Prudential offers coverage to HIV-positive applicants on a case-by-case basis. |
Guaranteed issue life insurance
If your pre-existing condition stops you from securing an affordably priced term or permanent life insurance policy, you might want to consider a no-exam policy such as guaranteed issue life insurance.
These policies guarantee acceptance as long as you are within a certain age range. You’re not required to take an exam or answer questions about your health to qualify. However, this means you often pay much more for less coverage.
For example, a 50-year-old woman buying guaranteed issue whole life insurance could expect to pay $463 per year for $10,000 of coverage, according to Covr Financial Technologies, a life insurance brokerage. To compare, a 50-year-old woman in the standard health class could expect to pay $609 per year for a 20-year term life policy with $250,000 of coverage. The price is slightly higher, but she’s getting 25 times the amount of coverage.
Many guaranteed issue plans cap life insurance death benefits at around $25,000. In general, this type of life insurance has a "graded benefit," which means the insurer won’t pay out the full death benefit if you die of natural causes within a few years of buying the policy. However, if you die of accidental causes within the first few years, the insurer typically pays out the full amount.
Group life insurance through work
Many people, including those with health problems, can get basic group life insurance through their employers. Basic coverage is usually limited to one or two times your annual salary, but you won’t need a medical exam to qualify. Note that you will likely lose coverage if you leave the job.
Accidental death and dismemberment insurance
If you don’t qualify for a term or permanent life insurance policy, you could consider accidental death and dismemberment insurance. The death benefit is paid out only in the event of an accidental death, which means your medical history doesn’t determine eligibility.
However, your death must be caused by a covered accident for your beneficiaries to receive the payout. Make sure you ask the insurer what accidents are covered and how a pre-existing condition can affect the payout.
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Tips for buying life insurance with a pre-existing condition
Be mindful of when you apply. An insurer will likely turn you down if you apply shortly after a cancer diagnosis or a heart attack. You can always reapply later, especially if your medical records show your treatment has been effective. In some cases, companies will have a specific timeline for when you can apply, such as two years after a final treatment for breast cancer.
Take advantage of improvements in your health. If you are accepted but are being charged a high rate, you can ask for a "life insurance re-rating" (and a lower premium) once your condition is under control and your prognosis is positive.
Find the right agent. It’s important that you look for an independent life insurance agent who works with an impaired risk specialist — a broker who’ll know which insurance companies provide a good rate for your particular condition. Make sure your agent is submitting informal inquiries rather than formal applications. Because applications are recorded by the MIB Group, this strategy can save you a lot of denials on your record.
Get quotes from a handful of insurers. Insurance companies can review specific health conditions differently. Compare life insurance quotes to make sure you're getting the best possible coverage at the best price.
🤓 Nerdy Tip
Don’t try to hide your condition from your insurer. Life insurance companies use many methods to identify fraud. Misrepresenting your health on your application could cause the insurer to reject a life insurance claim, jeopardizing any payouts. If the insurer discovers fraudulent information, it typically records the incident in the MIB Group insurance database, which is shared with other insurers. This might hurt your chances of buying coverage in the future. What to do if you’ve been denied life insurance
If you’ve been denied life insurance or can’t find affordable premiums, don’t give up. Instead, consider waiting and reapplying for life insurance once your condition improves. The life insurance company may have a timetable for when you can apply.
Another option is to invest the money you would have paid in premiums. If your goal is to leave money for your loved ones regardless of when you die, a well-managed investment account may help achieve this.
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- 1. CDC: Preventing Chronic Disease. Trends in Multiple Chronic Conditions Among US Adults, By Life Stage, Behavioral Risk Factor Surveillance System, 2013–2023. Accessed Aug 7, 2025.
