Life insurance with health conditions
A health condition does not always end the search. Each insurance company looks at diabetes, heart trouble, COPD, cancer history and other conditions in its own way, so a no from one is not a no from all.
No cost to talk. No obligation.
Nothing to lose by starting
Pay nothing until you're approved. Change your mind during your free-look period (at least 10 days, longer in many states) and get every dollar back.
One no isn't the end
Turned down before? If one company says no, we check the others at no charge. Guaranteed-acceptance plans ask no health questions (benefits are limited the first 2 years).
Insurance companies decide approval and pay claims. Plans and free-look periods vary by company and state.
Who it is for
- People who were turned down or quoted more than they expected
- Anyone living with diabetes, heart trouble, COPD or a past cancer
- People who are not sure which company will look at them fairly
How it works
- Tell a licensed agent your conditions and your medicines
- They check how several insurance companies treat your health
- You hear your realistic options before you apply anywhere
Questions
I was turned down. Can I still get covered?
Often there are other options. Your agent checks other insurance companies at no charge, and guaranteed-acceptance plans ask no health questions, with a limited benefit for the first 2 years.
Should I tell the agent about every condition?
Yes. Answering fully helps the agent find the right fit, and an honest application protects the claim later.
Will a health condition raise what I pay?
It can. Each insurance company prices health differently, which is why comparing several can help.