Can I Get Life Insurance with Previous Health Issues?

If you live near Quakertown, PA and want health insurance answers, R&R Insurance Group LLC is here to help!

One of the biggest concerns that people might have when trying to secure life insurance is when they’ve had past health issues. The short answer is that you will more than likely still be able to get life insurance even if you have or have had health issues in the past. However, your choices will likely be much more limited and your premiums will likely be higher than if you were in good health or did not have any past health concerns.

Each insurer has significantly different guidelines for what they do and don’t consider insurable. If you have had any of these conditions (among others) you may have some difficulty finding a health insurance policy:

  • Asthma
  • Cancer
  • Cardiovascular Disease
  • Diabetes
  • Epilepsy
  • High Blood Pressure
  • High Cholesterol
  • Morbid Obesity

However, each insurance company regards these and other medical issues differently and even if you have or have previously had one of these, it doesn’t mean that you are definitely uninsurable. Luckily, with the medical advances that have been made in recent decades, if your condition is well controlled, that might make you less risky to insurers.  Additionally, if you are younger, even if you have had any of these issues and are in generally good health otherwise, that could also help with an insurer being willing to issue you a policy at a lower premium.

Still have questions about previous health issues and life insurance? Call R&R Insurance Group LLC serving Quakertown, PA today to find out how we can help you with all of your life insurance needs!