Common Conditions and Coverage Options
Contrary to popular belief, most health conditions don't prevent you from getting life insurance. Carriers have different underwriting guidelines, and what one company declines, another may approve at standard rates.
Common conditions that are insurable include well-managed diabetes, high blood pressure, high cholesterol, history of depression or anxiety, sleep apnea, asthma, and even some cancer histories (if in remission for a sufficient period).
The Importance of an Independent Agent
Working with an independent agent who represents multiple carriers is crucial when you have health conditions. They can informally shop your case to multiple underwriters before submitting a formal application, identifying the carrier most likely to offer favorable terms.
This pre-qualification process prevents unnecessary declines on your record, which can make future applications more difficult.
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Follow your doctor's treatment plan consistently. Regular check-ups, medication compliance, and stable test results demonstrate responsible health management that underwriters reward with better rates.
Be completely honest on your application. Insurance companies have access to the Medical Information Bureau (MIB), prescription databases, and your doctor's records. Concealing health information can result in claim denial later.