Getting Life Insurance with Pre-Existing Conditions

Life Insurance with Pre-Existing Conditions

How to acquire life insurance coverage when you have a pre-existing condition.

While a pre-existing health condition, such as heart disease, high blood pressure, diabetes, liver disease, or cancer doesn’t always mean you’ll be denied life insurance, it can make the process more challenging. What people with these conditions should know is that there are options, and life insurance shouldn’t be written off before talking to insurers. Most of the time, if you’re managing those conditions, an insurer will be more than willing to help. To help you secure life insurance coverage if you have a pre-existing condition, check out these tips.


Life insurance is not something that anyone wants to spend much time thinking about. However, in your case, it’s wise to do your homework. Obtaining a high-risk life insurance policy will likely require more work up front from both you and your agent. Research and understand your options and what you will need to do. It’s likely you will need to gather documents about your health issues.

Be Honest

Your insurer creates policies out of risk. If your agent finds out that you are not taking your required medication or attending doctors’ appointments to keep your condition in check, it could spell disaster for your policy. Always be honest and upfront about your condition and how you’re managing it. You should bring to the table anything you can regarding your condition.

Consider a No-Exam Policy

If your health condition is keeping you from getting approved for life insurance, you could look into getting a no-exam policy. Although you’ll still need to answer questions about your health, you will be able to skip the full medical exam. Although this helps to secure coverage, these policies are often more expensive with lower limits, so consider this as your final option.

Lastly, work with a trusted insurance advisor. When you’re looking for the right life insurance to protect your finances and family, look no further than the team at Lloyd S. Berkett Insurance Agency. Our professionals in Los Angeles, CA are on standby to help you find comprehensive coverage to suit your needs, lifestyle, and budget. Contact us today to get started.

Lloyd Berkett Insurance

11150 W. Olympic Blvd.
Suite 610
Los Angeles, CA 90064

(310) 857-5757
(800) BERKETT | 237-5388
Fax: (310) 857-5750

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The Lloyd S. Berkett Insurance Agency, Inc. was founded in 1946 by Lloyd S. Berkett. Regarded as one of Southern California’s most successful, well-respected and innovative independent insurance agencies, ... Read More

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