Pre-Existing Conditions That Make Getting Life Insurance Difficult

Life Insurance Pre-Existing Conditions

These conditions make it harder, but not impossible, to get life insurance.

You may think that because you don’t have a clean bill of health, you can’t obtain an affordable life insurance policy, if at all. Although it’s true that many conditions can make it harder to acquire insurance, securing a life insurance policy is not entirely out of the question. Challenging? Sure. Impossible? Probably not!

There’s no getting around the fact that it’s easier to obtain life insurance coverage with some pre-existing conditions than it is for others. Below are a few that conditions that you may need extra due diligence to secure coverage.


Whether cancer diagnosis or treatment will trip you up when you go to buy life insurance will depend on some factors. A few include:

  • The type of cancer
  • Whether you’re still undergoing treatment
  • How long it has been since your last treatment

Life insurance companies want to know the answers to these questions because the survival rate can vary greatly depending on the type of cancer and treatment.

Cardiovascular Disease

Heart disease is one of America’s biggest killers. Because of this, life insurance companies want to know how severe your condition is before signing you up for a policy. You can put yourself in the best position possible by regularly seeing your doctor and following his or her advice related to your condition.


Regardless of whether you have type 1 or type 2 diabetes, you may be able to obtain life insurance if you can prove you can control your blood sugar levels. Whether it’s through diet, insulin, or both, getting your health back on track can benefit your premiums, too.

High Cholesterol

For many other conditions, factors like when you were diagnosed, what treatments occurred, and how well you’re controlling the issue will affect your life insurance application. When it comes to high cholesterol, your HDL (high-density lipoproteins) ratio is going to be the most important factor.

Luckily, the professionals at Gee Schussler Insurance Agency are experts in handling life insurance challenge. Visit us or give us a call in Orland Park, Illinois to find out how we can help.