Will My Previous Health Issues Ruin My Chances of Owning Life Insurance?

A Pre Exsiting condition will not ruin your chances for life insurance, but it will limit the types of choices you may have. Depending on what the condition is you may only be able to get a small policy that will cover enough for burial vs paying off the mortgage.

Finding life insurance options if you suffer from a pre-existing conditions can be a daunting task. Their are a lot of details that an underwriter will need to know before you qualify for life insurance coverage. Look, if your serious about finding life insurance coverage the first step you should take is to talk to one of agents and we can get a pre existing questionnaire to fill out.  We have questionnaires for almost every pre existing condition from stroke to cancer.

Here are the steps

We will email you a questionnaire.  You can fill it our at return it to us.  We will have our in house underwriters review the questionnaire before we ever submit an application to a life insurance company.  We do this for two reason. 

  1.  We don’t want to send in an application that will get denied.
  2.  The more details we know the better chance you have to get coverage.

Will my pre existing condition stop me from getting life insurance?

This is a question we get asked all the time. Due to their past experiences with other insurance providers or from something they’ve heard, people whose medical history is less-than-perfect often assume life insurance isn’t an viable option. Some people give up on the idea of getting coverage, while other people spend countless hours trying to negotiate with life insurance companies.

Why us

Because you local P&C agent will get you declined. Mostly because they don’t know what they are doing and don’t do this on an every day basis like we do. Your bank also has no clue how to deal with and underwrite high risk cases.

At TermLife-Insurance.com, our team works with more than 40 term life insurance providers to find our clients the best possible policies for the best possible prices, and this includes people with previous medical ailments and conditions. While we can’t guarantee that we will be able to find you an insurance provider, we can tell you there’s a good chance we will. Whether you’ve survived cancer, have diabetes, some form of heart bypass or another condition that would make you uninsurable by many other life insurance companies, our agents have the knowledge and expertise to find a solution for you. 

If your medical history has made it difficult for you to find life insurance, visit us at TermLife-Insurance.com or, better yet, contact one of our licensed agents and they will be able to answer your questions. From there, our team of in-house underwriters will use their expert knowledge of the various providers with which we work to help match you to one that’s well-suited. Some of these companies actually specialize in providing insurance to people in your situation

What are some of the toughest pre existing conditions to get life insurance for?

Here is a list

  1. Cancer
  2. HIV
  3. Type 1 diabetes
  4. Stroke
  5. Heart Attack
  6. DUI

There are some conditions that will be almost impossible to get coverage.  However we have guaranteed issued life insurance policies for that.  The guaranteed issue policy will most likely offer around $25,000 in coverage and will be a final expense whole life product. Anyone can qualify for this policy we offer.