Can You Get Life Insurance If You’re Sick?

Shawn Plummer

CEO, The Annuity Expert

You may wonder if you can get life insurance if you are sick. The answer is that it depends on the severity of your illness and the life insurance company you go through. This guide will discuss your options if you are not in the best health. We will also discuss finding the best life insurance policy for your needs.

Confused About Life Insurance?

Are you new to life insurance and unsure where to begin? Visit our Learning Lab for expert guidance and insights.

Can You Get Life Insurance If You’re Sick?

If you have a preexisting medical condition, you may still be able to qualify for life insurance coverage. However, it will likely come at a higher premium than if you were in perfect health. Your illness will also affect the type of policy you qualify for. For example, if you have cancer, you will not be able to get a term life insurance policy.

A few different options are available to you if you have a preexisting medical condition. First, you can choose to apply for a whole life insurance policy, which will cover you for your entire life. These policies are more expensive than term life insurance, but they may be your only option. Another option is to apply for a guaranteed issue life insurance policy. These policies do not require a medical exam but have much higher premiums.

Ethos Life Insurance

What Will Disqualify You From Life Insurance?

A few conditions will automatically disqualify you from life insurance coverage. These include ALS, active cancer, inability to perform Activities of Daily Living, dialysis, and severe mental illness. If you have any of these conditions, you will not be able to get life insurance through traditional means.

If you are disqualified from life insurance, a few options are still available. First, you can apply for a high-risk life insurance policy, which will be more expensive but will provide you with coverage. You can also consider a burial insurance policy, a type of whole-life insurance that does not require a medical exam. This option will provide your loved ones with money to cover your funeral expenses.

Next Steps

If you are not in the best health, comparing different life insurance policies is essential before you decide on one. Make sure to read the fine print and understand your coverage. You may also want to speak to a life insurance agent to help you compare policies and find the one that is right for you.

No matter what your health situation is, there is a life insurance policy out there that can meet your needs. Research and talk to an expert to find the best policy for you.

Can You Get Life Insurance If You'Re Sick?

Need Help Getting Life Insurance Coverage?

Contact us if you need help purchasing a life insurance policy. The service is free of charge.

Life Insurance Inquiry

Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

Scroll to Top