Life Insurance
Can I get life insurance if I have health problems?
Yes, but your options and premiums depend on the condition. Many conditions that seem disqualifying are insurable at standard or slightly higher rates: well-controlled diabetes, high blood pressure, high cholesterol, and many others. Some conditions require a higher-rated policy. Some conditions require a guaranteed issue policy (no questions, higher premiums, lower coverage). An independent agent who specializes in impaired risk underwriting can identify the carrier most likely to offer the best rate for your specific health history.
Key Points
- Many health conditions are insurable — the key is finding the right carrier
- Well-controlled diabetes, high blood pressure, and high cholesterol are often insurable at standard rates
- Some conditions require a higher-rated policy (Table Rating)
- Severe conditions may require guaranteed issue — no questions, higher premiums, lower coverage
- Different carriers have very different underwriting guidelines for the same condition
- An independent agent specializing in impaired risk can find the best option for your situation