The Top Five Medical Conditions That Are Not Insurable For Life Insurance

Shawn Plummer

CEO, The Annuity Expert

Many medical conditions can make you ineligible for life insurance. Some of these conditions are easily diagnosed and treated, while others are more serious and may require ongoing care. This guide will discuss life insurance’s top five medical conditions that are not insurable. Remember that each case is unique, so it is important to speak with an insurance agent to find out if you are eligible for coverage.

Currently, Have Cancer

The first condition on our list is cancer. Cancer is a serious disease that can be difficult to treat. If you have been diagnosed with cancer, you will likely not be eligible for life insurance.

However, you may be eligible for coverage if you are a cancer survivor.

Lou Gherig’s Disease (ALS)

The second condition on our list is ALS (Lou Gherig’s Disease). This is a degenerative disease that affects the nervous system. Those with ALS typically do not live more than five years after diagnosis. For this reason, life insurance companies will not provide coverage for those with ALS.

Unable To Perform Activities Of Daily Living

The third condition on our list is the inability to perform two out of the six activities of daily living (ADL). These activities include eating, dressing, bathing, toileting, transferring (from bed to chair), and continence. If you cannot perform two or more of these activities, you will likely not be eligible for life insurance.

Cognitive Impairments

The fourth condition on our list is Cognitive Impairment. This can include conditions such as Alzheimer’s disease, dementia, and stroke. If you have been diagnosed with cognitive impairment, you will likely not be eligible for life insurance.

Dialysis

The fifth and final condition on our list is Dialysis Dependency. This means that you require dialysis treatments to stay alive. If you are dependent on dialysis, you will likely not be eligible for life insurance.

How To Get Life Insurance When Your Uninsurable?

If you have been diagnosed with one of the conditions on our list, you may be wondering how to get life insurance.

Guaranteed issue life insurance is one option for those who are uninsurable. With this type of policy, no medical exams or questions are asked. However, the downside is that these policies typically have much higher premiums and lower death benefits than traditional life insurance policies.

Another option is an annuity with an enhanced death benefit rider. With this policy, you will not be required to take a medical exam. However, the death benefit will be lower than a traditional life insurance policy.

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Next Steps

Suppose you have been diagnosed with one of the top five medical conditions that are not insurable for life insurance. In that case, it is important to speak with an insurance agent like The Annuity Expert. Each case is unique, so it is important to get expert advice before making any decisions. The best way to determine if you are eligible for coverage is to speak with a life insurance agent. They will be able to help you understand your options and find a policy that meets your needs. Contact us today for a free quote!

Uinsurable Medical Conditions For Life Insurance

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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. 

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