What Are The Disqualifying Conditions For Life Insurance?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Understanding Life Insurance Eligibility with Medical Conditions

Currently, Have Cancer

Cancer is one of the most challenging medical conditions to navigate in terms of life insurance eligibility. If you’ve been diagnosed with cancer, the likelihood of obtaining life insurance is minimal. However, if you are a cancer survivor, you may still have options. Life insurance companies evaluate the severity and treatment of your cancer, along with the length of time since remission, to determine your eligibility.

Lou Gehrig’s Disease (ALS)

ALS, or Lou Gehrig’s Disease, is another condition that significantly impacts life insurance eligibility. ALS is a progressive neurodegenerative disease that affects nerve cells in the brain and spinal cord. Due to its severity and the limited life expectancy following diagnosis, life insurance companies typically do not offer coverage to individuals diagnosed with ALS.

Unable To Perform Activities Of Daily Living

The inability to perform two or more Activities of Daily Living (ADL) is another critical factor that can make you ineligible for life insurance. ADLs include essential tasks such as eating, dressing, bathing, toileting, transferring (e.g., moving from bed to chair), and maintaining continence. If you are unable to perform two or more of these activities, insurance companies consider the increased risk and often deny coverage.

Cognitive Impairments

Cognitive impairments, including conditions like Alzheimer’s disease, dementia, and stroke-related cognitive decline, also impact your life insurance eligibility. These conditions can significantly impair your ability to manage daily activities and maintain overall health, leading insurers to view you as a higher risk.


Dependency on dialysis for kidney failure is another condition that typically results in life insurance denial. Since dialysis is a life-sustaining treatment for severe kidney disease, insurers are hesitant to provide coverage due to the high risk associated with this dependency.

Disqualifying Conditions For Life Insurance

How We Can Help

Navigating the complexities of life insurance when you have a severe medical condition can be daunting. At The Annuity Expert, we understand the challenges you face. With 15 years of experience as an insurance agency, annuity broker, and retirement planner, we have the expertise to guide you through these difficult times. We are committed to finding the best solutions at the lowest costs, ensuring that you receive the coverage you need without unnecessary financial strain.

We believe in making life insurance accessible to everyone, regardless of their medical conditions. Our goal is to provide you with the peace of mind that comes from knowing you have a safety net in place for your loved ones.

What Makes You Uninsurable For Life Insurance

What We Recommend

Taking the right steps can help you secure your life insurance coverage. Here’s how we can help you achieve that:

  1. Initial Consultation: Contact us for a free consultation. During this initial conversation, we’ll discuss your medical history, current health status, and life insurance needs. This step allows us to understand your unique situation and tailor our advice accordingly.
  2. Policy Selection: We’ll recommend specific life insurance policies or alternative options like annuities with enhanced death benefit riders based on the information gathered. The main benefit is that you’ll receive personalized recommendations matching your needs and budget.
  3. Application Assistance: We’ll guide you through the application process, ensuring all required documentation is accurately completed and submitted. This step ensures you have the best chance of approval and provides you with the peace of mind that your application is handled professionally.

By working with us, you’ll benefit from our extensive network of insurance providers and our deep understanding of underwriting criteria. This means you’ll have access to the best possible rates and terms, even with medical conditions.

Features and Benefits

  • Guaranteed-Issue Life Insurance: Provides coverage without medical exams, ensuring you can obtain a policy despite health issues.
  • Enhanced Death Benefit Riders: Offers additional death benefits without the need for medical exams, giving you more options for coverage.
  • Expert Guidance: Our experienced agents provide personalized support, increasing your chances of securing coverage.
  • Comprehensive Network: Access to a wide range of insurance providers ensures you get the best rates and terms.

Addressing Common Objections

  • High Premiums: While guaranteed-issue policies may have higher premiums, they provide essential coverage that might otherwise be unavailable.
  • Lower Death Benefits: Though the death benefits may be lower, having some coverage is better than none and can still provide significant financial support to your beneficiaries.

Failing to secure life insurance can leave your loved ones financially vulnerable. By working with us, you’ll gain the peace of mind that comes from knowing your family is protected. Knowing you’ve taken the necessary steps to secure their future, you’ll feel empowered.

Contact us today for free advice or a quote. Let us help you navigate the complexities of life insurance and find the best solution for your needs.

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

Frequently Asked Questions

Can life insurance be canceled because of illness?

No, life insurance cannot be canceled because of illness once the policy is in force. As long as the premiums are paid on time and there is no fraud or misrepresentation in the application, the insurance provider must honor the contract, even if the policyholder’s health condition changes after issuance.

Can you get life insurance if you have a disease?

Yes, you can often get life insurance even if you have a disease, but it may depend on the illness’s severity. Insurers may charge higher premiums or impose specific exclusions. Some specialized policies might cater to those with severe or chronic illnesses, so shopping around is advisable.

What medical conditions disqualify you from life insurance?

No specific medical condition universally disqualifies someone from life insurance, but certain severe or chronic illnesses might make obtaining coverage difficult or more expensive. Conditions like late-stage cancer, certain heart diseases, or HIV/AIDS may limit options. However, insurance policies and underwriting criteria vary, so exploring various providers is beneficial.

Can you get life insurance if you have an autoimmune disease?

Yes, you can often get life insurance if you have an autoimmune disease. However, the type and severity of the condition and how well it’s managed will likely influence the premiums and coverage availability. Working with an insurance broker or exploring specialized providers may help find suitable options.

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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