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How to get term life insurance with pre-existing health challenges

If you need life insurance and have a pre-existing condition, don’t fret. Learn the Dos and Dont’s of high risk life insurance and, how to get approved for coverage.


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  • work with an independent high-risk insurance agent
  • take steps to improve your health
  • consider all options
  • share your story
  • something

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  • give up
  • expect the unreasonable
  • lie
  • apply with multiple carriers at once


Do work with an independent high-risk insurance agent

Working with an independent agent will provide you with more options, whereas a “captive agent” represents only one company. An independent agent can shop all companies to see which one would have the best policy for you.

Just as an independent agent is important, an agent that has experience in working with high-risk clients that have pre-existing conditions can be the difference between getting approved or getting declined. A high-risk life agent should be knowledgeable in knowing which insurance company, and type of policy, is right for you based on your health situation.

Do take steps to improve your health

Whether the health problem is of the past or the present, it is prudent of you to take tangible steps at improving your health, if you’re not already. Eating healthy and regular exercise under the supervision of your doctor will take care of the only body you have. This may not improve your chances of getting insured, but it may very well contribute to a longer, richer life that won’t require you or your family to rely on this insurance policy. In the end, your family and friends would much rather have you around than the policy money.

Do consider all options

In trying to get approved for a policy, keep an open mind. Depending on your health condition, you may not be able to qualify for a traditional life insurance policy. However keep an open mind to other options such as guaranteed issue life insurance, which does not require a medical exam. Every option will have advantages and disadvantages, and keeping an open mind will help you in making a good decision.

Do share your story

Once you get approved for a policy, let people know. Its important for others who are dealing with the same types of issues to know that there are options out there. You might help someone get the protection they need for their family.

Do something

Remember that doing something is better than nothing. For example you may not be able to get as much coverage, or the exact type of policy that you want. However getting some coverage in place is better for your family than taking no action at all.


Do not give up

If you have been declined for life insurance, don’t give up. You may not have been working with the right agent, or the right insurance company. Explore all options, and don’t let a past decline stop you from getting the insurance you need.

Do not expect the unreasonable

When dealing with a health condition, don’t expect miracles. You may have to settle for less coverage, or have a policy that has a 2-3 year waiting period before the death benefit kicks in. It will also take time to get you approved–possibly 2 months. Patience and perseverance will go a long way.

Do not lie

Always be honest and upfront on your application and with your insurance agent. Lying on an application could void your policy. The insurance company will get your medical records and find out everything relating to your health anyway. By being upfront you show good character and have a better chance of getting approved.

Do not apply with multiple carriers at once

Some people think that applying to multiple insurance companies at the same time is a good thing. When each insurance company sees this–and they will–they will ask why you applied to multiple carriers, and they will want details. Apply with one company and if you don’t get the results you want, you can always submit your medical exam results to another company.


As society lives longer, insurance companies have become more apt to approve people that have a pre-existing health condition. Work with an experienced agent that has experience in impaired risk life insurance, and explore all your options. Following these Do’s and Dont’s will help you get approved for the insurance you need.

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