United Life Group

Life Insurance with Pre-Existing Conditions

You may be surprised to learn that life insurance with pre-existing conditions is attainable.  Nobody wants to go through the hassle of applying for a fully-underwritten life insurance policy only to wait for weeks to find out the insurer has declined the application because of a pre-existing medical condition. Some life insurance applications require answers to several health questions, and they may even force applicants to submit to a medical exam or collect doctor’s statements. Even if the insurer does accept the application, they may only insure the applicant at a much higher rate than the one that was initially advertised.  Either way, we can help you find a great cheap life insurance plan.

How to Find Affordable Life Insurance with Pre-Existing Conditions

If you already suspect that your medical condition might raise a red flag, you have a couple of good options:

If you just need a more modest amount of coverage, you might save yourself some trouble by simply asking for policies that do not require that much health information. Typically, these types of policies are issued very quickly, and many of them allow you to apply online or over the phone.

Can You Find Life Insurance with Pre-Existing Conditions?

If you have a pre-existing condition, there are life insurance policies out there for you. We’ve even helped clients with diabetes find affordable life insurance. Typically, policies will be cheaper and more accessible if these conditions are well controlled and combined with a generally healthy lifestyle. A good broker should be able to help you find the right coverage from a highly rated company at the lowest possible price.

Almost anybody can afford a cheap life insurance these days. The other things to remember is that many life insurance companies offer no exam life insurance. This is great for people who don’t want to go through the inconvenience of a medical exam.

If you have any other life insurance questions, feel free to contact one of our licensed insurance agents.  They’ll be happy to answer any questions you may have.