Do I Qualify For Life Insurance If I Have A Pre-Existing Disease


According to the Centers for Medicare and Medicaid Services (CMS), almost fifty percent of adults aged 65 or above suffer from a pre-existing health condition or disease. Some people have minor or more controlled issues, while others may be suffering from debilitating conditions adversely affecting their quality of life. 

Several factors influence life insurance. From your age and health status to how well you're managing your condition if any. Additionally, policies regarding life insurance differ from one company to another. If you suffer from a medical condition and wonder whether you qualify for life insurance, keep reading! 

Eligibility For Life Insurance

The answer is yes. People who have been diagnosed with health issues are eligible to apply for life insurance. Many insurance companies cater to people suffering from ailments as mild as allergies or eczema to severe heart conditions, diabetes, and hypertension. The truth is, people suffering from diseases can and do get approved for life insurance. 

Most of the time, the insurance policies are similar for diseased and non-diseased people. Unless your illness is terminal or significantly impacts your life expectancy, you can be eligible for the same policies as a healthy person. 

Medical Conditions And Their Effect On Life Insurance 

The two critical factors on which your life insurance depends are your health and age. It's common sense. Statistically speaking, you're expected to live longer if you're young and if you do not suffer from any diseases. On average, if you suffer from a pre-existing medical condition, your life insurance premiums are expected to increase by 8-10 percent every year. 

How To Improve Insurability In People With Pre-Existing Medical Conditions 

Consulting with your financial advisors will tell you that there are specific tips that can be followed to qualify for your desired insurance plan and get lower premiums. In the following paragraphs, we will be telling you how you can reduce your monthly premiums and qualify for a spectacular life insurance policy. So let's get started!

Follow Your Treatment Plan

If your insurance company is sure you've been following your treatment plan regularly; they have reason to believe your condition and life expectancy will likely improve in the following years.


Someone who has a pre-existing condition but exercises regularly might be healthier than someone who doesn't. 

Lose Weight

Obesity is a significant deterrent for insurance companies as it is the root cause of many diseases. Losing weight can help you be eligible for much better insurance plans, that too with lower premiums.


While people with disease conditions can qualify for life insurance, the plans they may be eligible for might have higher premiums. But by eating healthy, exercising, and sticking to your treatment plan, you can cut down a significant chunk of the monthly payments!