Life Insurance with Pre-Existing Conditions

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Life Insurance with Pre-existing Conditions

Understanding Insurance Company Expectations

When applying for life insurance with pre-existing conditions, insurance companies focus primarily on the stability and severity of the condition. Key aspects they evaluate include:

  • Regular Testing and Doctor Visits: Ensuring you are up-to-date with all recommended medical testing, including labs and imaging, as well as maintaining regular doctor appointments.
  • Treatment and Medication Compliance: It’s crucial to follow your doctor’s treatment plan and take all prescribed medications as directed.

Impact of Co-Morbidity

Co-morbidity, or having multiple pre-existing conditions, significantly influences insurance ratings. For example, a combination of diabetes and heart disease can result in a higher policy rating compared to unrelated conditions. This is because co-morbid conditions often exacerbate each other, increasing health risks.

Best Life Insurance With Pre Existing Conditions

Insurance Companies with Favorable Policies

While most insurance companies have specific criteria for pre-existing conditions, some are more favorable. Notably, Lincoln Financial and Prudential are known for their more accommodating underwriting guidelines for individuals with pre-existing conditions.

Best Life Insurance For Pre Existing Conditions


Navigating life insurance with pre-existing conditions requires understanding the insurance company’s perspective on health stability and severity. Co-morbidity plays a significant role in policy ratings. Companies like Lincoln Financial and Prudential offer more favorable terms for such conditions. Being well-informed about these aspects can lead to a more satisfactory insurance experience.

Life Insurance Quotes With Pre-Existing Conditions

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, 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

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