Pre existing Conditions

Getting Affordable Life Insurance with a Pre-Existing Condition

Do you have a medical condition and wondering if you’ll be able to qualify for life insurance? Or maybe you had a medical issue in the past and you’re wondering if it’ll affect your pricing? Pre-existing conditions do not automatically mean you won’t be able to buy life insurance. It also doesn’t mean life insurance can’t be affordable.

What is a pre-existing condition?

A pre-existing condition is a medical illness or injury that you were diagnosed with before buying insurance. Common examples of pre-existing conditions include high blood pressure, heart disease, diabetes, mental health issues, and cancer.

There are many factors considered with a pre-existing condition, such as:

  • The type of medical condition
  • When you were diagnosed
  • If it’s chronic or recurring
  • How it’s managed
  • When treatment ended

Pre-existing conditions take many forms and there are a number of variables that can affect buying life insurance.