Resources
Find Life Insurance for Your Health Situation
Every health condition is different. We compare multiple carriers to find which ones accept your specific situation at the best rates. Select a condition below to see your options.
Diabetes
Diabetes is one of the most common conditions among final expense applicants. Many carriers offer coverage for diabetics, though rates and acceptance depend on whether you use insulin, your most recent A1C levels, and whether you have complications like neuropathy.
Heart Disease
Heart disease covers a wide range of conditions including heart attacks, stents, atrial fibrillation (AFib), bypass surgery, and pacemakers. Several final expense carriers specialize in cardiac conditions, with American-Amicable being the top choice for most heart-related histories.
COPD & Lung Disease
COPD (chronic obstructive pulmonary disease) and emphysema are common among older adults, especially those with a smoking history. Carrier acceptance depends largely on severity, particularly whether supplemental oxygen is required.
Cancer History
Cancer history is a major factor in life insurance underwriting. Active cancer is typically declined by most carriers, but cancer that has been in remission for several years opens up options.
Stroke & TIA
A history of stroke or TIA (transient ischemic attack, sometimes called a mini-stroke) is a serious underwriting consideration. However, several carriers accept stroke history, particularly American-Amicable which specializes in cardiovascular conditions.
Mental Health
Mental health conditions like bipolar disorder, depression, anxiety, and schizophrenia are often misunderstood in insurance. Mutual of Omaha is the standout carrier here, accepting most mental health conditions at standard rates through their Living Promise product.
Kidney Disease
Kidney disease and dialysis are serious underwriting factors. Active dialysis is auto-declined by most carriers, making guaranteed issue the primary option.
Liver Disease
Liver disease, including hepatitis and cirrhosis, is a significant underwriting factor. Cirrhosis is generally harder to place than hepatitis.
Congestive Heart Failure
Congestive heart failure (CHF) is one of the most challenging conditions to place in life insurance. Most carriers auto-decline CHF.
Alzheimer's & Dementia
Alzheimer's disease and other forms of dementia are auto-declined by most underwritten carriers. Guaranteed issue is the primary path for coverage.
High Blood Pressure
High blood pressure (hypertension) is extremely common and generally well-accepted by final expense carriers. Controlled hypertension on medication is accepted by virtually all carriers at standard rates.
Obesity & Weight Issues
Obesity can affect life insurance placement, but many final expense carriers either do not have strict height/weight requirements or are lenient with BMI thresholds. Aetna/Accendo is notable for having no height/weight requirements at all.
Tobacco & Smoking
Tobacco use affects life insurance premiums but does not prevent coverage. All carriers offer both tobacco and non-tobacco rates.
Mobility & Disability
Mobility limitations, including wheelchair use and being bedridden, are significant underwriting factors. Most carriers auto-decline bedridden applicants.
Healthy Applicants
If you are in good health with no major medical conditions, you qualify for the best rates from the most carriers. Americo's Eagle Select is the typical first choice for healthy applicants due to competitive rates and bonusable premiums.
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