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Most of the seniors have a pre-existing health condition and there is a possibility that you are looking for inexpensive life insurance for seniors with pre-existing conditions to provide coverage for your loved ones or just to pay the funeral costs after your death.

There are many insurance companies that offer less expensive policies. However, if you avoid a health screening, you will be kept from getting the rate you want.

A lot of health issues are considered pre-existing conditions and can accordingly raise your policy rate or make you ineligible for the policy.

Yet, taking into consideration the type of your health issue, you will find an insurer that offers less expensive coverage.

Why Pre-Existing Conditions Affect Life Insurance?

why pre-existing condition affects policiesMany people think that they must be completely healthy to be eligible for a life insurance policy. But, the good news is that you can buy a policy if you have a medical condition!

There are many policies that do not require applicants to do medical tests. That is, if you apply, you can spend your morning drinking a cup of tea instead of taking a medical exam.

Still, if you have a pre-existing condition, say high blood pressure, your rate would undoubtedly be affected because such a condition may accelerate your death and accordingly oblige your insurer to cover for your beneficiary’s aftermath.

In this case, many people go for a guaranteed life policy because, as the name suggests, it cannot be denied. But, it’s worth remembering that it’s still one of the most expensive policies you can find.

How Does an Insurer Determine Eligibility?

There are many factors through which your insurer determines your eligibility to purchase a policy and how much you should pay for it. Such factors include how long you want to get covered, how much coverage you want, your age, your lifestyle, your health, and your gender.

When applying for some policies including term or whole life insurance, you will be required to do a medical test and complete a health questionnaire. The results will give your insurer an insight into your health status, history, and your family’s health history.

All of the aforementioned information will help your insurer evaluate your risk of dying. All in all, the lower your risk is, the more eligible you will be to apply.

Below is the process of life insurance approval for people with pre-existing conditions.

  • The applicant will first complete a questionnaire including questions that the underwriter needs to know.
  • The underwriter will find the right company for the applicant’s condition.
  • The fairness of the offer gets reviewed.
  • In case it tuned out that the offer isn’t fair, the underwriter takes the applicant’s labs and send them to another insurer.

It’s worth remembering that, as mentioned earlier, life insurance companies usually take applicants’ medical conditions into consideration before deciding their eligibility.

So, the more difficult your condition is, the less likely you will get a policy.

Health Questions Asked

The following questions are frequently asked by the life insurance company to clients whenever they apply for a policy with a pre-existing condition.

Question 1: Do You Smoke or Consume Alcohol?

Because smoking and drinking are among the common causes of the diseases people suffer from, life insurance companies often ask clients these two questions: ‘are you a smoker?’ and ‘do you consume alcohol?’

If you are a smoker or alcohol consumer, your premiums would be higher, allowing your insurance company to protect itself from the high-risk condition you experience. You might be asked to take a nicotine test as well.

Question 2: What is Your BMI? Are You Overweight?

BMI Body Mass Index is a measurement used to determine one’s weight with respect to their height. It’s considered as an indicator more than a direct measurement of an individual’s fat.

So, when applying for an insurance policy, you will be asked about your BMI and whether you’re overweight.

Question 3: Are You Involved in Any Bankruptcies or Felonies?

Although getting a policy with a criminal record is tough for most applicants, it can be obtained. The majority of life insurance companies will ask about a felony conviction or bankruptcies when clients’ apply for life insurance policies.

Question 4: Which Medical Condition Do You Have?

Logically, your insurer will want to know what pre-existing condition you suffer from in order to determine which insurance policy is suitable for your case.

Question 5: Which Medicines Do You Take?

The last question your insurer will ask is what medications you take, and whether they make any progress with the condition.

MIB file is important. Why?

When anyone applies for a life insurance policy, the insurer will require them to answer a few questions concerning their coverage. In addition to your age and gender, your insurer-to-be will want to know everything about your health.

While insurers ask for much information through the coverage application, they can also obtain other information from other sources, one of which is the MIB (Medical Information Bureau). So what is the MIB and why is it important?

The MIB is a non-profit corporation based in the United States of America. Its services are used to assess the risk and eligibility of an application during life’s underwriting and insurance coverage.

The importance of this service is concluded in the fact that it helps make sure that insurers can provide and customers can get affordable life insurance coverage. This, in turn, can help maintain a perfect marketplace for insurance applicants and customers.

Through the MIB file, underwriters are alerted to any omissions and errors made on insurance applications. In turn, after the MIB mitigates such errors, it can help lower the risk of insurers in accepting risky applications. This can also help lower the cost of life insurance coverage for customers.

In addition, the MIB also helps insurers remain strong against any financial standpoint. It’s worth saying that the MIB has saved more than $1 billion every year and helped insurers evaluate and select risks accurately.

Common Pre-existing Conditions & Your Eligibility

A pre-existing condition is a health issue which exists before the customer applies for an insurance policy. Such a condition can be a health problem as common as allergies, asthma, diabetes, etc.

In other words, it’s a chronic disease that can impact a large number of the population. Many people question whether they can obtain a life insurance policy if they live with a pre-existing condition.

Here are some common pre-existing conditions which may hinder some people from getting a policy.

Asthma

Eligibility for coverage: Yes

If you suffer from asthma before applying for a policy, your rate would be comparatively higher. But, this depends on the severity of the disease because the more serious it is, the higher the rate would be.

So rest assured that, with asthma, many people have purchased a policy. You only need to know where to look to get an affordable rate.

When you apply for a policy, you will be asked the following questions:

  •         When were you diagnosed with asthma?
  •         When was your recent asthma attack?
  •         How often do you face the attacks?
  •         What drugs do you take for your asthma?
  •         How often do you take them?
  •         Do you visit a hospital/doctor?

Alzheimer’s Disease

Eligibility for coverage: Yes

One of the questions you will be asked when applying for a policy is whether you suffer from Alzheimer’s disease or not.

In most cases, most people with Alzheimer’s disease can purchase a policy. The only policy they can buy is called guaranteed life insurance.

It does not matter how much sever the disease is since guaranteed policies tend to cover age-qualified people without any health questions asked.

They are not required to take any medical exam, bring medical records, or even phone interviews. This can be perfect for those who don’t feel comfortable being asked health questions.

Aneurysm

Eligibility for coverage: Yes

If you are diagnosed with an aneurysm, it’s possible that you have assumed that you are not eligible for an affordable policy. However, there are many options which you can choose from when it comes to affordable life insurance policies.

There are many factors you should take into consideration before purchasing a policy. But rest assured that you are eligible to get a policy if you suffer from such a disease.

The majority of people with aneurysm purchase traditional policies, but in this case, they will be required to take medical exams. So, if you choose a no-medical-exam policy, you can end up paying high premiums.

Here are some factors you should prepare before applying.

  •         When were you diagnosed with an aneurysm?
  •         Have you experienced any symptoms in the recent 6 months?
  •         Are you a smoker?
  •         Do you take any medications?

Anemia

Eligibility for coverage: Yes, traditional coverage.

Purchasing a policy with anemia is absolutely possible. Your policy rate and class depending on the type of anemia you suffer from, the severity of the condition, and your overall health status.

When applying for a policy with anemia, the first thing the underwriter will do is evaluate your risk. Your overall health status will then determine your denial or approval and how much premium payments you are going to make.

It’s worth mentioning that anemia on its own isn’t a life-threatening disease. So, getting a policy with it is POSSIBLE.

Upon applying for a policy, the following questions will be asked:

  •         Date of anemia diagnosis
  •         Type of anemia you suffer from
  •         Cause of the condition
  •         Recent blood test
  •         Any hospitalizations as a result of the condition
  •         Iron transfusion
  •         Any bone transplant
  •         If you receive any ongoing treatment

Angina

Eligibility for coverage: Yes

Angina can have significant impacts on your eligibility to get a policy. Actually, taking into account the diagnosis and the seriousness of the condition, most insurers will charge higher rates or sometimes deny your application.

If you have a family history of angina, there is a great chance of getting an affordable policy, though.

When applying for a policy with angina, you will be required to do a medical test. During the exam, you will be asked some questions concerning your medical history, family history with the condition, lifestyle, and alcohol or/and tobacco addiction.

Also, you will be asked the following questions:

  •         When were you diagnosed?
  •         The results of the diagnosis
  •         Any medications
  •         Are you a smoker?
  •         What are your weight and height?
  •         The severity of the condition

Arthritis

Eligibility for coverage: Yes

Arthritis isn’t considered a life-threatening condition compared to other common conditions. However, insurers do not ignore it when you are aged. They give significant consideration to the type of arthritis you are having, its severity, how long have you experienced it, and the medications you take.

If the degree of the condition is mild, you will be given a comparatively affordable rate. That is, you will be required to pay one of the lowest premiums available.

If your condition is serious, you will be classed under the standard rate class, meaning that you won’t be able to get the best premium payments of the insurer.

Many experts recommend applying to the right insurers. For instance, consider the companies that have a good view of people with arthritis.

Atrial Fibrillation

Eligibility for coverage: Yes

If you suffer from atrial fibrillation and are searching for an affordable policy, you might be surprised to know that you can still be eligible to purchase one. Whether the condition is temporary or permanent, your rate will be affected tremendously.

Insurers will look for the following information when you apply for coverage:

  •         Date of the diagnosis
  •         The type of condition you have
  •         The symptoms you have with the condition
  •         Tests completed and medications taken.
  •         The reason that led to the disease.
  •         Your age and gender
  •         State of residence
  •         Height and weight
  •         Smoking habits
  •         Occupation
  •         Income
  •         Health history

Bipolar Disorder

Eligibility for coverage: Yes

Getting a life insurance policy with bipolar disorder can sometimes be difficult, but it isn’t impossible. Depending on the seriousness of the condition, many applicants can still be eligible, meaning that their application can be accepted.

Getting a policy with a mental disorder such as bipolar might seem a difficult task. However, knowing the roadblocks can mitigate the battle.

In spite of what you’ve heard, an underwritten policy for a person with bipolar disorder is possible to get. They are only required to go through a few steps in order for their insurance company to be aware of everything related to their condition.

If you haven’t been diagnosed yet, expect your insurer to request a medical exam including a blood test before considering your application.

Blindness

Eligibility for coverage: Yes

If you are visually impaired, then it’s possible that you are looking for insurance coverage. Getting a good policy may pose a challenge that other people with many physical conditions do not face.

There are many policies you are not eligible for if you are blind. Getting the most suitable policy depends on the reason blindness occurred. For example, some people are blind due to diabetes, head trauma, blindness from birth, etc.

If you are blind due to an accident, the insurer would look at it differently if your blindness is due to diabetes. Fair or unfair; this is the way it is.

Blood Clots

Eligibility for coverage: Yes

The common question that people ask is can I get a life insurance policy if I have blood clots? The answer is yes!

Your insurer will require knowing the following:

  •         When were you diagnosed with the condition?
  •         The medications you have taken so far
  •         Have you been hospitalized?
  •         How many times have you been hospitalized?
  •         Have you ever been diagnosed with pulmonary embolism?

The way you answer to the aforementioned questions will determine your eligibility to purchase a policy.

Regarding the cost, it’s worth saying that the type of policy you purchase will determine the premium payments you will be required to make.

Breast Cancer

Eligibility for coverage: Yes

“Can I get a policy if I am diagnosed with breast cancer?”

The answer is yes! However, this will depend on where you are in the recovery process. So, the insurance company will choose one option from the following:

  •         Offering normal coverage: if your diagnosis does not impact your risk in the long run, you will be qualified to apply for typical coverage.
  •         Adding exclusions to your insurance policy: insurance companies include in your policy that it will not pay your beneficiary/s in case you die from complications resulting from breast cancer.
  •         Charging higher premiums: your insurance company might provide full coverage with higher premiums.
  •         Denying coverage: you can come across insurance companies that are not willing to provide coverage for breast cancer.

Cancer

Eligibility for coverage: Not Always, It Depends.

A lot of cancer-diagnosed patients have been able to purchase life insurance policies. But, if you wish to purchase one, you will first need to wait till you’re in remission for a predetermined period of time. This period varies depending on your insurance company and the type of cancer you’ve been diagnosed with.

In addition, based on such a type of policies, you will be required to make high premium payments. And regarding the types of cancer which can possibly reoccur, you might need to buy a guaranteed policy.

All in all, rest assured that getting a policy for people with cancer isn’t impossible.

Congestive Heart Failure CHF

Eligibility for coverage: Only Guaranteed Policy

Congestive heart failure CHF is a medical condition wherein the muscle of the heart cannot pump blood effectively.

The good news is that you may be eligible for a guaranteed issue life insurance policy if you suffer from CHF. A guaranteed policy does not require applicants to answer health-related questions or pass any medical exam. However, the rate can be high.

Chronic Bronchitis

Eligibility for coverage: Yes

Chronic bronchitis is an obstructive pulmonary disease usually caused by cigarette smoking. It results in long-term coughing with mucus, inflammation, scarring while in airways, and congestion.

“Is it possible to get an affordable life insurance policy with chronic bronchitis?”

The quick answer is yes! However, there are some factors that can affect the premium payments you will be required to make.

For instance, if your condition is very serious, you will be eligible for a non-medical policy or a guaranteed policy.

As part of the process of underwriting your application, your insurer will consider your age at the time you were diagnosed, the medications you are taking, and your history of cigarette smoking.

COPD

Eligibility for coverage: Not Always, It Depends

COPD (Chronic Obstructive Pulmonary Disease) is a lung disease that involves emphysema, chronic bronchitis, and asthma. It’s characterized by the increases breathlessness as the patient loses lung capacity.

Unfortunately, it’s considered an incurable disease, but with proper diagnosis and treatment, you can manage it.

Regarding your eligibility to get a policy, just because you are diagnosed with COPD doesn’t mean your application will be denied. The condition can exist in different stages. So, the less severe it is, the more chances you will have to get a good rate.

If your condition is mild, you will be assigned to a standard rating. But if it’s moderate, you need to contact an insurance company specializing in providing services to patients with this condition.

Circulatory Surgery

Eligibility for coverage: Yes

Most people think that, with heart conditions, they cannot purchase an affordable life insurance policy. But this is not true. You absolutely can get one.

Taking into consideration the fact that heart diseases are prevalent conditions, life insurers have been accepting applications with such risks for more than 150 risks. They offer services designated to meet the needs of patients.

So, if you have heart issues, your insurance company will classify you as ‘high risk’ when it comes to a traditional policy. ‘High risk’ doesn’t mean you will pass away at any minute, it only means that your rate is going to be comparatively high. However, your rates will still be affordable.

Cirrhosis

Eligibility for coverage: Yes

If you have been diagnosed with and are looking for affordable coverage, you might feel worried about what your policy option can be.

The common question that comes up when new clients apply is ‘can I get life insurance if I have liver cirrhosis?’

The simple answer is yes, you can.

However, it depends on the status of your condition, your age, and your overall health. So, rest assured that getting an affordable policy with this condition is possible.

Knowing your options with a high-risk condition like this one is significant. High-risk coverage isn’t the end of the world, but it needs some extra TLC.

Cystic Fibrosis

Eligibility for coverage: Yes

Cystic fibrosis is a condition affecting the exocrine glands, intriguing the body to produce thick mucus that creates blockages in the pancreatic ducts, intestines, and lungs.

When it comes to getting life insurance, you can absolutely get one. The only option available in this case is the ‘accidental life insurance policy’: a policy that provides coverage for those expected to die unexpectedly.

Accidental death policies do not provide coverage for those dying naturally; that’s why they are not considered ‘true life insurance policies’.

There is another policy type that can qualify to those with cystic fibrosis: guaranteed issue policy. It accepts anyone regardless of their medical condition, but they require the following:

  •         They need to be USA citizens
  •         They need to be aged up to 84 years
  •         They need to dwell in a state where the policy is available.

Diabetics

Eligibility for coverage: Yes

A lot of people with diabetes know the value of life insurance and the significance of providing financial protection to their families after they pass away. Having a condition of diabetics’ means having a challenge in life, but trying to get a life insurance policy should not be one of these challenges.

The good news is that you can still get a policy regardless of the type of diabetics you suffer from. The only thing you need to do is know where and how to search for the most suitable one.

While it’s somehow difficult to get a policy with diabetes, it’s not impossible for your application to be accepted. Prepare yourself and share with your agent the details of your condition.

Defibrillator

Eligibility for coverage: Yes

It’s a known fact that getting a policy with a heart issue is comparatively difficult because people with such conditions are considered high risk.

But rest assured that you can get a policy if you are a defibrillator patient. However, you still need to contact a life insurance agent if you wish to get an affordable one.

It’s worth mentioning that big insurance companies deny applications that involve high risks.

We have a complete article on life insurance with a defibrillator, check it out for more.

Dementia

Eligibility for coverage: Yes

One of the frequently asked questions found on life insurance applications is whether the applicant has a pre-existing condition of dementia or not. If the applicant’s answer is yes, their insurer may deny the application. For this exact reason, many people with dementia go uninsured.

However, a lot of people with this condition have gotten a policy. The product used in this case is called ‘guaranteed life insurance’. As discussed earlier, one of the requirements for your application to be accepted is being aged between 40 and 85. But don’t forget; its rate is a bit higher compared to other types of policies because it’s usually whole life.

Depression

Eligibility for coverage: Yes, Traditional Plans

Like other health conditions, depression is viewed differently by life insurance companies. Based on your level of risk, underwriters rate such a condition. So, working with an agent would help you get the best rate available.

It’s not something easy talking about mental illnesses publicly because people with such conditions are segmented by society. However, it’s significant to look for an affordable or suitable policy for your case.

All in all, it’s not impossible to get an affordable policy with this condition; all you need to do is know where and how to look for it. That’s it.

Dialysis

Eligibility for coverage: Hardly

Shopping for a policy with pre-existing conditions can often be daunting. This involves finding policies for people with dialysis. Because getting a policy depends on your current health, being diagnosed with dialysis often complicates the process.

Many people with dialysis have got their applications declined for a policy, but rest assured that you can get coverage by guaranteed issue. The benefit of this type of life insurance is that there is no possibility your application gets declined even if your risk is high.

It’s worth mentioning that if you apply for a traditional policy with dialysis, your application will automatically be declined because of the medical examination that this type of policy involves.

Disability

Eligibility for coverage: Hardly

No one loves to ponder about life’s what-ifs! But because money rules the globe, it becomes a must. Unfortunately, your options are limited when it comes to disabilities.

‘Does life insurance cover people with disabilities?’ The answer is ‘no’. The majority of life insurance companies don’t cover for disabilities. That is, they won’t cover you in case you face any sudden impairment.

But, the good news is that you can add disability long term care riders to the policy you’re applying for. It will help you in case you face any sudden illness or disability.

Diverticulitis

Eligibility for coverage: Yes

Diverticulitis is a health issue related to food digestion. It occurs when the pouches forming in the intestine’s wall become inflamed.

Regarding your eligibility to get a life insurance policy, your application can be accepted no matter how severe the condition is. Your condition can affect your application if it has required surgery before.

Yet, because diverticulitis doesn’t increase mortality, you can still purchase a policy at a standard rate if you’ve had undergone any surgery.

The severity of the condition will impact the number of premium payments required of you. That is, the more severe it is, the higher your rate will be.

Epilepsy

Eligibility for coverage: Yes

The good news is that you can get a policy with epilepsy. But you may be rated differently from one insurer to another. Depending on the severity of the condition and the frequency of the episodes, you may be eligible for a standard rating. This depends on the insurer’s underwriting guidelines.

Here are the questions asked when you apply for a policy with epilepsy.

  •         When were you diagnosed with the condition?
  •         The medications you have taken so far
  •         Have you been hospitalized?
  •         How many times have you been hospitalized?
  •         Have you ever been diagnosed with pulmonary embolism?
  •         How often do you experience episodes of the condition?

Eye Diseases

Eligibility for coverage: Yes

If you have a vision-related condition, the good news is that you can qualify for a traditional policy. But, how having such conditions can affect your application?

Let’s take glaucoma as an example. Glaucoma is a condition that damages the optic nerve. It’s linked to the pressure built up inside the eye. The role of the optic nerve is to transmit images to the brain. So, the increase in pressure can hinder vision. This can increase your policy rate but not deny your application.

When applying, the underwriter wants to know the following:

  •         Your age
  •         Gender
  •         Weight
  •         Height
  •         Income
  •         Alcohol and cigarette usage
  •         How often you travel
  •         And finally your hobbies

Hepatitis

Eligibility for coverage: Yes

Many life insurance companies are willing to provide coverage for people who suffer from hepatitis, but their premiums can be comparatively high.

Getting your application accepted will depend on the insurer and the criteria they follow. If your condition is controllable, you will be able to receive coverage with a little increase in cost.

But what if your application is denied? Experts recommend the following:

  •         Apply with a different insurer
  •         Wait and re-apply
  •         Purchase a guaranteed policy

Here are some tips you should take into consideration when applying for a policy with hepatitis:

  •         Consult an insurance agent
  •         Prepare the required documents
  •         See a physician
  •         Don’t lie on your application

HIV or AIDS

Eligibility for coverage: Hardly

If you are diagnosed with HIV or AIDS, then you are wondering if you could get coverage.

Although it was almost impossible for an application with HIV or AIDS to be accepted, new medical technology and law have made it possible.

With life expectancy increasing for people with HIV or AIDS, some life insurers now offer coverage. However, they might face some limited options on their mission to find an affordable policy with the condition.

The majority of traditional policies are not available for those diagnosed with HIV or AIDS. This also includes term and permanent policies.

Heart Attack

Eligibility for coverage: Depends

Having a heart attack is seriously a frightful experience. It can lead to many issues, one of which is with your life insurance policy.

However, the good news about this issue is that you can purchase a policy with a heart attack. You only need to take the right steps.

Not only do diet and exercise improve your health regarding heart attacks, but also they improve your chance of getting a good rate. So always follow your physician’s instructions.

Remember that guaranteed policies are never denied. But, their rates are comparatively high. You may also consider graded benefit whole life insurance.

Heart Surgery

Eligibility for coverage: Yes

Getting a life insurance policy after undergoing heart surgery is easier than many people think. However, insurers take heart surgery very seriously and are accordingly cautious in terms of the reasons led to the surgery.

These factors can include smoking history, high blood pressure, high cholesterol, overweight, family history of heart diseases, and diabetes.

Insurance companies intend to determine the level of risk in insuring your life. So the less risky your case is, the more likely you will get a good rate.

Your strict attention to your overall health and adherence to your physician’s instructions will have an effect on the premium payments you will make.

High Blood Pressure

Eligibility for coverage: Yes

Many people with high blood pressure think that if they apply for a policy, they will need to pay sky-high premiums. However, there are some ways through which the impact can be lessened, especially if you have the ability to control your condition.

Again, it’s possible to get a policy with high blood pressure, but the premiums payments you will make will depend on how long you have had this condition and whether or not you are able to control it.

If you were diagnosed with high blood pressure, and it has recently been improved, you will likely be eligible for cheaper rates.

High Cholesterol

Eligibility for coverage: Yes

Getting a life insurance policy with high cholesterol is also possible.

Not only is high cholesterol bad for your health, but also it is for your wallet because it means that you are at high risk for a heart condition. The riskier your condition is the less likely you will get an affordable rate.

However, you can get your application approved with a low rate. But how is that possible? You need to understand how insurers handle clients’ applications diagnosed with high cholesterol and most importantly follow your doctor’s recommendations because the better your health is, the better the rate you can get.

Insomnia

Eligibility for coverage: Yes

As we’ve seen before, various health conditions can affect the premium payments clients need to make. Such health conditions include sleeping disorders such as insomnia that affects almost 18 million Americans. That is, a huge amount of people with this condition will apply for a life insurance policy.

So, if you have been diagnosed with insomnia, your best chance of purchasing an affordable policy is to apply via a broker. Brokers are independent and are able to shop and find you the best rate.

Kidney Disease

Eligibility for coverage: Yes

Kidneys are very important to the body. Their role is to filter the blood and help regulate its pressure. What about your eligibility to get a policy with kidney-related diseases?

Depending on how severe your kidney disease is, you can be eligible for coverage. Try working with a broker; they are able to get you the best policy with the best rate.

It’s worth mentioning that there are many health issues causing kidney disease. The level of severity and cause of the condition always have an impact on how underwriters categorize an application.

The following health problems are some of the most common causes of kidney disease:

  •         Diabetes
  •         Polycystic kidney disease
  •         High blood pressure
  •         Glomerulonephritis

Lupus

Eligibility for coverage: Yes

‘Can I get life insurance coverage with lupus?’ the answer is simply yes! A lupus diagnosis does not mean a direct decline in your application. However, life insurance premiums for people with lupus will be higher.

If you have recently been diagnosed with lupus, your chance of purchasing an affordable rate is to apply via a broker. Brokers work independently from insurance companies and can accordingly get you the best policy you wish to purchase.

It’s worth remembering that getting an affordable policy with any pre-existing condition is challenging if you do not know what to do. That’s why experts recommend working with a broker or consulting an agent.

Migraines

Eligibility for coverage: Yes

If your migraines have not resulted from any underlying medical conditions, qualifying for a life insurance policy should not be a big deal. To your surprise, you can also be eligible for a no-medical-exam life insurance policy.

It must be noted that migraines can sometimes be a result of a tumor. But, if you have been experiencing migraines for a long time, there’s nothing to worry about.

When to worry?

If you have been experiencing migraines for a long time, you should not worry about them unless you notice any changes in the patterns of the condition. In this case, your premium payments will be higher.

Minor or Major Stroke

Eligibility for coverage: Depends

Stroke is a cardiovascular disease affecting the arteries that lead to the brain. It occurs when a blood vessel carrying oxygen to the brain is blocked. This can eventually cause death when the oxygen does not reach the brain.

When it comes to life insurance coverage, insurers will look for the following before deciding whether to accept or refuse your application.

  •         When were you diagnosed?
  •         What was your diagnosis?
  •         What was your age when you were diagnosed?
  •         Are you a tobacco user?
  •         What medications you have been taken since you were diagnosed?

Narcolepsy

Eligibility for coverage: Yes

When attempting to get a life insurance policy, it can be challenging to pass for an affordable policy if you have some kinds of health conditions. This can work as a predicament in case you have been diagnosed with narcolepsy.

Before deciding whether you’re eligible for a policy or not, the underwriter needs to know the following:

  •         When were you diagnosed with the condition?
  •         How often do you experience the condition’s traits?
  •         What medications are you using to treat the condition?
  •         What are the causes of the condition?
  •         Do you have any other medical conditions other than narcolepsy?

Obesity

Eligibility for coverage: Yes

Many obese people can still qualify for a good policy. But, how can weight affect your eligibility to get a policy?

Every insurance company has its own build chart that lists the maximum allowable weight for every category. So, agents utilize these charts to determine what rate their clients are going to receive.

To your surprise, even those who are considered obese are qualified for good life insurance policies. So, don’t worry.

In addition, when it comes to coverage, the more obese you are, the more premiums you will pay. The reason for this is that people who are too obese tend to have a lower life expectancy.

Osteoporosis

Eligibility for coverage: Yes

Osteoporosis is the most common bone disease that affects men and women. Almost half of women over 50 will suffer from this condition because women have less tissue and lose bone due to menopause.

If you have recently been diagnosed with osteoporosis, there is a chance you will pay higher premiums for a policy.

 However, this does not mean you won’t be approved for an affordable one. But how is that possible? You first need to understand how insurers handle the applications of clients with osteoporosis.

The underwriter will ask the below-mentioned questions, and based on your answers, they will decide your eligibility.

  •         When were you diagnosed with the condition?
  •         What medications are you taking?
  •         How often do you drink soft drinks?
  •         How old are you?
  •         How old were you when you got diagnosed?

Pacemaker

Eligibility for coverage: Yes

A lot of people around the world have pacemakers that help them live their lives to the fullest. Pacemakers don’t necessarily affect your normal activities; they affect your eligibility to apply for an affordable life insurance policy.

The condition of a pacemaker in itself does not make an insurer deny your application. Actually, it can improve your chance of getting a policy than if you were diagnosed with a heart issue.

However, it’s up to the insurer whether or not to accept your application. Every insurance company has its own criteria to provide coverage for clients.

Sarcoidosis

Eligibility for coverage: Yes

Because people can have sarcoidosis from very mild to very severe, the chances of getting life insurance policies can vary greatly. If you have little to no symptoms to the condition, you can qualify for a term or whole life policy. In fact, you can also be eligible to apply for a no-medical-exam policy.

The chances can increase if you don’t smoke, don’t take drugs, don’t have a family history of the condition, aren’t a felon, and are healthy. This will enable you to qualify for a preferred rate.

Note that not all insurance companies have the same criteria to accept applicants. We’re just highlighting the majority of them and how they choose candidates.

Seizures

Eligibility for coverage: Yes

When applying for a life insurance policy with seizures, consider preparing the following information and documents:

  •         When were you diagnosed with the condition?
  •         How severe is your condition?
  •         Have you been taking any medications?
  •         How often do you experience your seizures?
  •         Don’t forget to bring the doctor’s prescription with you.

If your last seizure was two years ago, there are many insurers offering you a standard rate. But if they are very recent, less than 2 years, your chance of getting a standard one is poor.

So, the type of policy depends solely on the severity of the condition and how often you experience its episodes. Most importantly, the chance of getting denied for a policy is slight.

Sleep Apnea

Eligibility for coverage: Yes

The diagnosis of sleep apnea can get your application denied. Even if you get a policy, the rate would be high with limited coverage.

However, the good news is that some life insurance brokers claim that people can get good policies, but that depends on their condition and how they deal with it.

It also depends on the severity of the condition. The severer it is, the higher rates the client will be required to pay.

Tumor

Eligibility for coverage: Depends

‘Can I get a life insurance policy if I have a tumor?’ In fact, the answer depends on the type of tumor, its grade, and its stage.

Fortunately, you can receive coverage with a pre-existing condition. The majority of life insurance companies require this condition to be in remission. They just look back at least ten years if you’re searching for a traditional term policy.

If you qualify for a policy, your insurance company will utilize different ratings to decide your policy’s cost. Those ratings include:

  •         Preferred plus
  •         Preferred
  •         Standard
  •         Substandard

Conclusion

As we’ve seen throughout the article, every life insurance company has its own criteria to accept applications with pre-existing conditions. You just need to understand how they deal with each condition, know the criteria they follow to accept applications and prepare answers to every question they might ask within your application form and interview.