Can I be approved for life insurance with a serious health condition?
People often think that they have to be the picture of health to qualify for a Life Insurance. But there’s good news! Health conditions are taken into consideration, but they are generally not automatic disqualifiers. There are also some life insurance policies that are Guaranteed Issue Policies for those who had/have a serious health history like heart disease, cancer, diabetes & …
In short, yes, it may be possible to secure life insurance with a pre-existing medical condition. For some health conditions, a simple disclosure may be all that is required of you. There is a possibility that you may have to pay a higher premium for your life insurance policy, but other insurance companies may deny your application or decline it at the end.
These policies can be: Term 10, 20, 25, 30 years OR a Permanent policy.
You can add Accident Death insurance to them as well with a small amount of payment.
So here is the snapshot of it:
Medical Exam Required: NO
Can Qualify Regardless of Health: YES
Fixed Rate of Premium: YES
Coverage Amount: $25,000 to $500,000
With addition of Accident death insurance.
Example: Monthly Life Insurance Premiums
Coverage for $250,000, Non-smoker, Term 10
| Age | Male | Female |
| 40 | $42.30 | $34.88 |
| 45 | $55.13 | $44.55 |
| 50 | $81 | $65.48 |
Policies are typically approved in less than 48 hours. Higher limits above $500,000
are available with additional underwriting.
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Stay safe and well!
