Can You Get Life Insurance If You Have a Pre-Existing Condition?

If you have a pre-existing health condition, you may assume that getting life insurance is impossible or too expensive. While it’s true that certain medical conditions can affect your policy options and premiums, having a health issue doesn’t mean you have to go without coverage. Many insurance providers offer policies specifically designed for individuals with health concerns, allowing you to secure financial protection for your loved ones. The key is understanding your options and working with an experienced insurance broker who can guide you to the best policy for your situation.

How Pre-Existing Conditions Affect Life Insurance

Insurance companies assess risk based on several factors, including your diagnosis, treatment history, medication use, lifestyle choices, and overall health management. Conditions such as diabetes, high blood pressure, heart disease, or even a past cancer diagnosis can impact your eligibility. However, if your condition is well-managed and you follow a doctor’s recommended treatment plan, many insurers are willing to offer competitive rates. Some policies even allow for re-evaluation in the future, meaning you could qualify for lower premiums if your health improves.

Life Insurance Options for People with Health Conditions

For individuals with more serious or multiple health concerns, there are still viable options:

• Guaranteed Issue Life Insurance – This type of policy requires no medical exam and accepts applicants regardless of their health status. While it comes with higher premiums and lower coverage amounts, it ensures that those with significant health issues can still secure financial protection.
• Simplified Issue Life Insurance – Instead of requiring a full medical exam, this policy only asks for a health questionnaire, making it a good option for those with manageable conditions.
• High-Risk Life Insurance Policies – Some insurers specialize in covering high-risk applicants, considering factors like age, condition severity, and recent medical history when determining eligibility.

Why Working with a Broker is Essential

Every insurance provider evaluates health conditions differently, so applying on your own could result in unnecessary denials or inflated premiums. A knowledgeable insurance broker can match you with the right provider—one that specializes in covering individuals with pre-existing conditions. Brokers understand which companies offer the best rates for specific health concerns and can help you find a policy that provides the financial protection your family needs.

Get Expert Guidance from Landau Insurance Brokers

No matter your health history, it’s important to explore all your options rather than assuming coverage is out of reach. Life insurance provides financial security for your loved ones, helping them cover expenses, pay off debts, and maintain their quality of life in your absence.

If you have a pre-existing condition and are unsure about your options, contact Landau Insurance Brokers in Los Angeles, California, today. Our experienced team is here to help you navigate the process, find the right coverage, and secure the protection your family deserves. Call us now or visit our website to learn more!