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HEALTH CONDITIONS

Many pre-existing health conditions will still be approved for immediate coverage with no waiting period.

Just because you have one of these health conditions shown below, it doesn't mean you should be declined immediate life insurance coverage.


Each insurance company has a different list of approved health conditions and medications. We know which companies will approve you and which ones will not.


That means we can save you time and money.

If you have one of these conditions and have only been offered graded coverage or have been declined coverage, reach out to us and we will work together to make it right.

HEALTH CONDITIONS APPROVED FOR IMMEDIATE COVERAGE

Atrial Fibrillation (AFib) / Abnormal Heartbeat

Amputation (Diabetic related)

Amputation (Non-Diabetic)

Angina

Bipolar

Blood Clots

Cancer (Stage 1, Active treatment for Breast, Cervical, Colon, Uterine, Kidney, Skin, Prostate, Testicular, Thyroid)

Cancer (Stage 2/3/4, Last treatment more than 24 months ago for any type)

Cerebral Palsy

Chronic Obstructive Pulmonary Disease (COPD) / Lung Disease

Congestive Heart Failure (CHF)

Crohn's Disease

Defibrillator

Diabetes

Diabetes (with Insulin use)

Diabetic Complications (Eyes, Kidneys, Neuropathy)

Heart Attack

Hepatitis C

Kidney Disease (No Dialysis / Untreated)

Kidney Disease with Dialysis

Liver Disease

Lupus

Mental Illness

Multiple Sclerosis

Neuropathy

Overweight / Obese

Oxygen Use

Pacemaker

Parkinson's

Schizophrenia

Seizures

Stent

Stroke

Wheel Chair Use 

Wheel Chair Confined

HEALTH CONDITIONS APPROVED FOR GRADED OR GUARANTEED ISSUE PLAN ONLY*

Cancer (Stage 1, Active treatment for Bladder, Bone, Brain, Esophageal, Leukemia, Liver, Lung, Lymphoma, Ovarian, Pancreas, Sarcoma, Small Intestine, Stomach)

Cancer (Stage 2/3/4, Last treatment less than 24 months ago)

*If you currently fall into this category, don’t get discouraged. We can still get you insurance protection in place and we will notify you if and when a better option becomes available to you.

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