Life insurance

If you’ve ever thought, “I won’t qualify for life insurance because of my health,” you’re not alone—and you’re not out of options.

Getting life insurance with pre-existing conditions is absolutely possible. It just requires the right approach, the right provider, and a little knowledge about how the process works.

At The Policy Shop, we’ve helped thousands of individuals—many with complex health histories—secure life insurance that protects their families and provides peace of mind. This guide breaks down the process in a clear, judgment-free way, giving you the confidence to take the next step. (Life Insurance with Health Conditions: What You Need to Know | Here’s how to improve your chances and get covered.)

The Truth About Life Insurance and Health Conditions

Life insurance companies do assess your health, but having a condition like diabetes, high blood pressure, asthma, or anxiety doesn’t automatically disqualify you. In fact, more people are getting approved today than ever before—thanks to more flexible underwriting, no exam life insurance options, and new policies built for people with unique medical profiles.

Your health history doesn’t have to define your future.

4 Things Insurers Consider When Reviewing Your Application

When applying for life insurance with health issues, providers don’t just look at the diagnosis. They consider the full picture:

1. The Type of Condition

Chronic illnesses (like diabetes or heart disease) may raise flags, but how well they’re managed makes a big difference. Temporary conditions or issues that have been resolved may not carry as much weight.

2. How Well It’s Managed

If you’re following your treatment plan, taking medications, or regularly seeing a doctor, insurers may view your condition as stable—and that works in your favor.

3. Your Age and Lifestyle

Age always factors into premiums, but so does your lifestyle. Smokers, for example, often face higher rates. On the flip side, a healthy diet, exercise, and non-smoking status can help balance out risk factors.

4. Medical Records and Exam Results

Depending on the policy, you may be asked to provide records or take a medical exam. However, no exam life insurance is becoming more common, especially for simplified issue policies.

3 Ways to Improve Your Chances of Getting Approved

Even if you have a pre-existing condition, there are several proactive steps you can take to boost your approval odds:

✅ 1. Work with a Specialist (like The Policy Shop)

Every carrier evaluates risk differently. A broker or agency experienced in high-risk or impaired-risk underwriting knows which companies are more flexible—and can match you with the best-fit policy. We offer life insurance options that work with your health history, so you’re not stuck applying blind.

✅ 2. Consider a No Exam Life Insurance Policy

If you’re worried about how an in-person exam might affect your chances, look into simplified issue or guaranteed issue policies. These often skip the physical altogether and instead rely on a brief health questionnaire.

✅ 3. Be Honest and Thorough

Don’t hide your condition or try to “outsmart” the system. Instead, provide as much detail as possible. Full transparency helps underwriters assess your situation accurately—and prevents delays or denials due to missing info.

Common Conditions and How to Navigate Them

Here’s how some of the most common health concerns are typically handled:

Diabetes

If it’s well-managed (with consistent A1C levels, medication, and no complications), many companies will offer standard or slightly rated policies. Some no exam policies are available for diabetics as well.

Mental Health

Conditions like anxiety, depression, or even bipolar disorder don’t automatically disqualify you. Companies look at treatment history, medication use, and whether your condition has been stable over time.

Heart Conditions

A past heart attack or high blood pressure can increase premiums, but approval is still possible—especially if it’s been several years and you’re under active care.

Real Talk: What You Might Pay

Let’s be honest—life insurance with pre-existing conditions may cost more, depending on the severity of your health issue. But it’s often still affordable, and more importantly, worth it for the protection and security it offers.

Some people find that simplified issue or term policies offer the right balance of coverage and cost, while others may choose permanent policies that offer lifetime protection and cash value.

You don’t have to figure this out alone. Our advisors at The Policy Shop specialize in helping people find the best value for their unique needs.

FAQs About Life Insurance with Health Issues

❓ Can I get coverage if I have diabetes?

Yes—especially if it’s well-controlled. Some carriers even specialize in covering diabetics.

❓ Will I need a medical exam?

Not always. No exam life insurance is available for many applicants, particularly through simplified or guaranteed issue plans.

❓ What about mental health conditions?

You can still qualify. Stability, ongoing treatment, and a clear medical history will help improve your chances.

Final Thoughts: Don’t Let Health Issues Hold You Back

Your health may be part of your story—but it doesn’t have to be the reason your family goes unprotected.

Whether you’ve been turned down before or are applying for the first time, you have more options than you think. The right life insurance policy can give you peace of mind and a plan your loved ones can count on.

✅ The Policy Shop specializes in helping people with unique needs—reach out today.

Let’s take the first step together.
Explore life insurance options that work with your health history or get in touch for a custom quote.

You deserve coverage that sees you—not just your condition.