Health & coverage · The hub
Life insurance with a health condition
Almost everyone can still get covered — the honest question is which door. Pick your condition for the real paths, the actual application questions, and the carriers whose published guides treat it best.
Heart & circulation
- Heart attack history Common at 2+ years · day-one
- Congestive heart failure Rare — one published path · day-one
- Stroke or TIA Common at 2+ years · day-one
- AFib (atrial fibrillation) Commonly available for AFib alone · day-one
- High blood pressure Essentially always, when controlled · day-one
- Heart stents or bypass surgery Commonly available — sooner than most expect · day-one
- Pacemaker or implanted defibrillator (ICD) Pacemaker: common at 1–2 years · day-one
- High cholesterol Essentially always, when cholesterol is the issue · day-one
Lungs & breathing
Diabetes & kidneys
Cancer, HIV & transplants
- Cancer history Returns at 2–4 years clean · day-one
- HIV or AIDS Honestly: not on simplified issue · day-one
- Organ transplant Honestly: not on simplified issue · day-one
- Breast cancer (survivors and in treatment) Commonly returns 2–5 years after treatment · day-one
- Prostate cancer Commonly returns 2–5 years after treatment · day-one
Brain & nerves
Mental health
Autoimmune & joints
Liver & digestive
Tobacco & nicotine
Weight, lifestyle & history
Age & memory
The three doors
Every condition page uses the same honest ladder
Day-one level coverage
Full benefit from the first day. Available for a surprising range of managed conditions on simplified-issue final expense — health questions, no exam.
Graded coverage
Permanent coverage for more serious histories: a limited benefit (often premiums back plus interest, or a percentage of the face) for two years, then the full benefit for life. Accidental death is usually covered in full from day one.
Guaranteed acceptance
No health questions at all, ages roughly 50–80. The honest floor — with a two-year graded period as the trade. Nobody in the eligible ages is simply turned away.
Straight answers
Common questions
Can I get life insurance with a pre-existing condition?
Almost always, yes — the honest question is which path, not whether. Simplified-issue final expense accepts a wide range of managed conditions with day-one coverage; graded plans cover more serious histories with a two-year limited benefit; and guaranteed-acceptance policies (no health questions, ages roughly 50–80) mean nearly nobody in the eligible ages is turned away. Every condition page here shows the realistic doors.
Why do different insurance companies give different answers?
Because each carrier writes its own health questions and lookback windows. A heart attack two years ago can be a graded offer at one company and day-one level coverage at another; COPD without oxygen is a standard condition at some carriers and graded at others. That disagreement is the entire reason to shop an independent panel instead of one company’s rate card.
Will applying hurt my chances somewhere else?
Applying doesn’t damage your health record. Carriers share coded underwriting signals through the MIB, so a prior decline can be visible — but a decline at one carrier does not bind another, and an independent agent’s job is to pre-qualify you so you apply once, in the right place.
What if I’ve been declined before?
A decline is the start of the search, not the end. Tell us what happened — which carrier, what the reason was — and we’ll match your history against the carriers that treat it best. Guaranteed-acceptance coverage remains the floor for the toughest situations.
One search, every door
Tell us your situation — we'll find the carrier that says yes
A few basic questions, including your honest health picture, are exactly what lets us pre-qualify you across the whole panel — so you apply once, in the right place. No exam to look, no pressure, no spam.
- We know which carriers treat which conditions best — that's the whole job
- Day-one coverage first, whenever you qualify
- Your information is never sold