Most people with diabetes, heart conditions, or cancer history assume they can't get life insurance. They can — and often at standard rates. Learn what's actually available, then get matched with a licensed agent only if you ask.
No health questions. Everyone approved.
Guaranteed issue life insurance accepts everyone regardless of health history. No medical exam, no health questions. Coverage is typically smaller ($5,000–$25,000) and may have graded benefits for the first 2 years.
Watch for: graded benefits. If you pass away in the first 2 years, your beneficiaries may only receive premiums paid plus interest. Know the waiting period.
A few health questions. No exam.
Answer a handful of health questions instead of taking a medical exam. Coverage amounts are higher than guaranteed issue, and rates are better if you qualify. Most people with managed conditions (diabetes, hypertension) qualify.
Watch for: the questions vary by insurer. One company's 'no' might be another's 'maybe.' Working with an independent agent who shops multiple carriers is key.
Full underwriting, but health-friendly carriers exist.
Standard term life insurance requires a medical exam, but many carriers specialize in high-risk cases. If your condition is well-managed, you may qualify at standard or slightly rated premiums.
Watch for: the 'table rating.' A table-rated policy costs more but provides the same coverage. Ask how many table ratings apply and whether re-evaluation is possible.
Permanent coverage that builds cash value.
Whole life insurance lasts your entire life and builds cash value. For people with health conditions, it's often available as guaranteed or simplified issue. More expensive than term, but it's permanent.
Watch for: cash value growth rate. It grows slowly — this is primarily insurance, not an investment. Ask about the guaranteed vs projected growth.
Tell us about your health condition and we'll connect you with a licensed agent who specializes in your situation. <strong>No obligation to buy. A licensed agent will contact you.</strong>
Get matched with a licensed agent
This site provides educational information only and is not legal, tax, or financial advice. Insurance products are offered by licensed agents. Availability and terms vary by state.
