Can You Get Life Insurance with Pre-Existing Conditions?

It really depends on your age and the insurance company.

There are life insurance plans available for people with health problems. These plans are called "guaranteed issue" life insurance policies and offer coverage for people who meet the age requirements.

For example, Met Life offers guaranteed approval for people ages 45-75, while United of Omaha offers guaranteed approval for people ages 45-85.

The amount of life insurance available will vary by insurer - Met Life offers up to $20,000 of coverage while United of Omaha offers up to $25,000 of guaranteed insurance.

And, you may be able to buy guaranteed issue life insurance from more than one insurance carrier.

With guaranteed plans you cannot be denied coverage due to any health issues. There's no health exam needed and you won't have to answer any health questions.

However, guarantee coverage plans usually have graded death benefits, which means you won't have full death benefits until you have been insured by the policy for at least two years, usually. That's how they can guarantee your approval even if you have pre-existing health problems.

Learn more about life insurance with pre-existing conditions.