Can You Get Life Insurance with Pre-Existing Conditions?


Securing life insurance can be overwhelming, especially if you have pre-existing conditions. This post sheds light on the impact of pre-existing conditions on life insurance policies and how Pronto Insurance can guide you through the process.

What Is Considered a Pre-Existing Condition?

When applying for life insurance, it’s essential to know that a pre-existing condition can be any health issue that might reduce your lifespan. Each insurance company has its own set of rules for defining and managing pre-existing conditions. Since these health problems pose a higher risk to insurers, pre-existing conditions could result in higher premiums or denied coverage from certain life insurance policies.

Common examples of pre-existing conditions include:

  • Heart disease
  • Asthma
  • Diabetes
  • Depression and other mental health concerns
  • Cancers
  • Autism
  • Epilepsy
  • Obesity

Past injuries may also be considered pre-existing conditions, depending on their severity and any lasting effects. Smoking and chewing tobacco are not classified as pre-existing conditions, but they can make approval more challenging and affect the cost of your life insurance. If you quit these habits, your premium may decrease, depending on how long ago you quit.

Can You Get Life Insurance with Pre-Existing Conditions?

Yes, it is possible to get life insurance with pre-existing conditions. The key lies in understanding the nature of your condition and finding an insurance provider who can offer suitable coverage options.

What Medical Conditions Can Disqualify You from Life Insurance?


While many pre-existing conditions do not automatically disqualify you from getting life insurance, they can affect your eligibility and the rates you’ll pay. These factors include:

  • Type of condition: Your condition’s severity and life expectancy can influence your eligibility and the rates you’ll pay. For example, someone with arthritis may be less at risk and thus have more life insurance options than someone with heart disease.
  • Current health condition: If your medical condition is well-managed, and you’re otherwise in good health, you can often still qualify for traditional life insurance. Insurance providers consider various factors such as regular check-ups, treatment adherence, and overall health maintenance when evaluating eligibility. 
  • Duration since your diagnosis: Generally, the longer the duration of the illness, the greater the risk of complications, which can lead to higher rates.
  • Age and lifestyle: Younger and relatively healthy individuals may qualify for lower rates. Lifestyle habits like smoking and drinking can also influence your eligibility and the price you’ll pay for coverage.

Work with Pronto Insurance

At Pronto Insurance, we understand that each individual’s situation is unique, especially regarding pre-existing conditions and life insurance. Our insurance agents are ready to guide you through the process, helping you explore our life insurance plans that best suit your needs. Contact us today, and don’t let pre-existing conditions deter you from securing your future.

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