Often, yes. The insurer looks at the condition, how well it’s managed and how recently you’ve been treated, then offers coverage at standard rates, offers it at a higher premium, postpones a decision or declines. If you can’t get coverage that way, guaranteed issue life insurance asks no health questions, but it offers smaller amounts at a higher cost, and usually pays the full benefit for a death from illness only after a waiting period.
Can I get life insurance with a pre-existing medical condition?
Reviewed by Garrett Agencies Ltd., October 2026. How we write
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