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 you must speak with an insurance agent to determine eligibility for coverage.

Currently, Have Cancer

The first condition on our list is cancer. Cancer is a severe 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 Gehrig’s Disease (ALS)

The second condition on our list is ALS (Lou Gehrig’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.

Disqualifying Conditions For Life Insurance

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 Alzheimer’s disease, dementia, and stroke. If you have been diagnosed with cognitive impairment, you will likely not be eligible for life insurance.


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

How To Get Life Insurance When You’re 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.

Life Insurance Companies (We Recommend)

When choosing life insurance, finding a company that provides coverage for your needs is crucial.

  • For those with Parkinson’s Disease, we recommend Foresters whole life insurance. In addition, their final expense insurance is an option to help pay for funeral expenses if you can still perform your ADLs.
  • Foresters were founded in 1874 and are Rated A with A.M. Best. With over 140 years of experience, they’re a company you can trust.

So if you’re looking for life insurance coverage, check out Foresters.

Disclaimer: We are licensed life insurance agents for American General and Gerber. If you need a quote or want to apply, contact us below. There is no charge for the service. However, we strongly discourage applying without the assistance of an agent because if you apply on your own and get declined coverage, for whatever reason, no other life insurance company will consider you for coverage for approximately two years.

What Makes You Uninsurable For Life Insurance

Next Steps

Suppose you have been diagnosed with one of the top five medical conditions not insurable for life insurance. In that case, speaking with an insurance agent like The Annuity Expert is essential. Each case is unique, so it is vital to get expert advice before making any decisions. The best way to determine your eligibility 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!

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

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

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