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.