Can You Get Life Insurance Before Surgery?

Shawn Plummer

CEO, The Annuity Expert

Understanding Life Insurance Eligibility Before Surgery

1. Life Insurance Eligibility Pre-Surgery

  • Typically, obtaining life insurance before surgery is challenging.
  • Insurers view pre-surgery as a high-risk period due to potential complications.

2. Anesthesia and Insurance Concerns

  • The risks associated with anesthesia are a significant concern for insurers.
  • This risk affects the underwriting process, often leading to deferment of applications.

3. Post-Surgery Application

  • After successful surgery and recovery, insurance eligibility improves.
  • Applicants must be released from medical care to be considered.

Example Scenarios

  • Scenario 1: Pre-Surgery Application
    • An individual applies for life insurance before a scheduled heart surgery.
    • Likely outcome: Application is deferred until after surgery and recovery.
  • Scenario 2: Post-Surgery Application
    • An individual applies for life insurance two months after successful knee surgery.
    • Likely outcome: Application is considered with medical history reviewed.

Life Insurance Application Timelines

StatusPre-SurgeryImmediate Post-SurgeryPost Recovery
Application AcceptanceUnlikelyDeferredLikely
ReasonHigh RiskRecovery PeriodStable Health


In summary, applying for life insurance before surgery is often not feasible due to the high risk associated with the procedure and anesthesia. It’s advisable to wait until after the surgery and the subsequent recovery period. Once you have fully recovered and been released from care, your chances of qualifying for life insurance improve significantly. This approach ensures a more favorable assessment of your application by insurers.

Contact us today for a free quote.

Request A Quote

Get help or a quote from a licensed financial professional. This service is free of charge.

Contact Us

Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

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

Scroll to Top