Question by  amberjusm (306)

Can I get a life insurance policy for pre-existing conditions?


Answer by  DogLover82 (412)

There are different types of policies and companies vary in their policies. Whole life, the type that builds a cash payout over time may be unavailable to you; but term life, which pays out a sum certain in the event that you die during the coverage period may be avaiable. Contact an Insurance broker.


Answer by  John (9008)

It depends upon the condition; if it is certain to be fatal, it is unlikely that you can get insurance. For more minor conditions, however, if you fully disclose that you have the condition, you should be able to get life insurance. Your premiums will be higher, but the coverage is available.


Answer by  Dustin (359)

Yes you can get a policy with existing conditions, but be aware that you will most likely have to pay higher rates. Depending on which state you live in; there may or may not be laws protecting you from how much n insurance company can charge you even with existing conditions.


Answer by  Hasan72 (572)

It is hard to get an insurance policy with pre-existing conditions because the insurance companies find it high risk and they are not interested to provide a coverage. But using an experienced agent, gathering all the necessary documents and creating a health summary it can be easy to get a life insurance policy for pre-existing conditions.


Answer by  Mike39 (320)

Usually insurance companies would not cover pre-existing conditions because of high probablility that it will develop into an illness - it`s too risky for them.


Answer by  DjapEdiSantoso (16)

Life insurance companies generally refuse to pre-existing condition, you might get it, but insurance companies will provide a more expensive premium and small coverage


Answer by  Rubberchicken (819)

First, check with several insurers for quotes and make certain you are up-front about your conditions, otherwise, your policy can be voided when a claim is made. Depending on your condition, your premium may be higher. However, unless you have a life-threatening disease, you should be able to find coverage.


Answer by  Latin4 (11170)

It will be hard to find a insurance company that will cover pre-existing contidions. If you find one it will cost you plenty. You would be better off buying CD's or an IRA.

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