Is there any life insurance that covers pre-existing conditions?

There is usually no medical exam, so those with pre-existing conditions may be able to more easily get coverage through this type of life insurance policy, although rates are generally more expensive and coverage amounts are lower than other types of coverage.

What happens if you have a pre-existing condition?

Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.

What is considered high risk for life insurance?

However, typically, life insurance companies may consider you to be a high-risk applicant if you have a dangerous occupation, engage in risky hobbies like skydiving, smoke, have below-average health and/or have underlying health conditions.

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