Can You Get Life Insurance With Pre-Existing Conditions?
By Ashley River Benefits Group · Updated 2026
One of the most common questions people quietly ask is: “Will I be denied life insurance because of my health?”
If you have a pre-existing condition — like asthma, diabetes, high blood pressure, anxiety, or a past medical diagnosis — you are not alone. And in many cases, you still have options.
What Is a Pre-Existing Condition?
A pre-existing condition is any health condition that existed before applying for life insurance. This can include both physical and mental health conditions, whether they are ongoing, controlled, or in remission.
- High blood pressure or cholesterol
- Diabetes (Type 1 or Type 2)
- Asthma or respiratory conditions
- Anxiety, depression, or ADHD
- Previous cancer or cardiac history
Having a condition does not automatically mean denial. It means underwriting looks more closely at your overall health picture.
How Life Insurance Companies Evaluate Health
Life insurance is based on risk assessment, not perfection. Carriers typically consider:
- How well the condition is managed
- Current medications and compliance
- Recent hospitalizations or complications
- Age, lifestyle, and overall health trends
Someone with a diagnosis that is stable and well-controlled often has more options than someone with no diagnosis but poor health habits.
Important Reassurance
Many people assume they will be denied and never apply. In reality, different carriers view conditions differently. What matters most is matching your situation to the right type of policy.
Common Outcomes for Applicants With Health Conditions
- Standard or slightly higher premiums for controlled conditions
- Modified coverage options with fewer requirements
- Alternative policy structures when traditional underwriting isn’t ideal
The key is understanding which path makes sense — and which ones don’t.
Why Guidance Matters
Applying blindly can lead to unnecessary declines or frustration. A thoughtful, educational approach helps avoid that.
When you understand how underwriting works, you can:
- Apply to carriers aligned with your health profile
- Avoid unnecessary medical exams when possible
- Choose coverage that fits your goals — not just what’s available
You Don’t Have to Guess
If you’re unsure whether life insurance is an option because of your health history, a simple conversation can bring clarity. No pressure. No obligation. Just education.
Start With a ConversationAshley River Benefits Group operates as a marketing name affiliated with Lloyd Agencies LLC, a licensed insurance agency. Insurance products are offered through Lloyd Agencies LLC and its appointed carriers. This content is for educational purposes only and is a solicitation for insurance. Coverage availability and eligibility vary by carrier and are subject to underwriting.
