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Can you get life insurance if you’re ill?
Being disabled or having a medical condition shouldn't prevent you getting life cover, but, depending on your condition, in many cases, it'll cost you more and might also be harder to find. .
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.
Can you get life insurance if you’re already sick?
If you have a preexisting medical condition, you may still be able to qualify for life insurance coverage. However, it will likely come at a higher premium than if you were in perfect health. Your illness will also affect the type of policy you qualify for.
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.