Life insurance with Preexisting Diseases (Ultimate Guide)

Life insurance with Preexisting Diseases (Ultimate Guide)

Life insurance with Preexisting Diseases also called high risk or impaired risk life insurance represents an increasing number of those applying for it because, unfortunately, a higher percentage of Americans have a pre-existing medical history of some kind.

Did you know that only about 15% of applicants ever get the best rates for life insurance?

As obesity rates have increased, so have many other diseases. But this type of life insurance is not limited to health-related issues.

Even if you are good height and weight, exercise, and eat well, you could still present some type of additional risk.

Life insurance rankings can fluctuate based on factors stemming from lifestyle choices, financial concerns, criminal activity, and more.

The main thing to consider is if there is anything in your life that can put you at a higher statistical chance of dying before your true life expectancy.

If so, you could have a high risk of life insurance.


So what exactly is an impaired risk life insurance policy and who is it for?

High-risk life insurance is for those who exceed a certain level of mortality risk where the issuing operator could expect a better than average opportunity to pay a claim before their life expectancy.

Most people who start their life insurance search initially aren’t even considered a higher risk case for the operator.

Usually, if you’ve had a mistake in your medical history but have recovered since then, you wouldn’t either.

However, the true long-term risks still exist for many different health conditions, so a life insurance company should take this into account when offering a policy.

Even easier conditions to treat can become a big problem several years or decades later.

The reason why it is important to identify yourself with an impaired risk life insurance policy from the start is because more detail is required to underwrite your case, and it is imperative to find the best high risk life insurance company for your problem. specific doctor !

The first questions you will need to ask yourself regarding medical impairments are:

  1. Have you been to the hospital in the last decade?
  2. Do you smoke or use any type of tobacco products?
  3. Have you had any surgery in the last 10 years?
  4. Are you currently (or have you been previously) taking a prescription?
  5. Are you disabled?

An affirmative answer to any of those questions and you will definitely be asked some follow-up questions.

This may not mean that you are automatically at higher risk, but these questions seem to cover the vast majority of high-risk cases.

Other, non-health-related questions may include:

  1. Have you been through some kind of financial hardship, like bankruptcy?
  2. Have you been incarcerated in the last 10 years?
  3. Do you have a history of drug abuse?
  4. Do you have a violation in your driving record?
  5. Do you participate in dangerous activities or occupations?
  6. Among your natural parents, brothers, and sisters (essentially your immediate family), is there a family history of heart disease, diabetes, or cancer?

As a quick example, someone who went to the hospital for dehydration while running a marathon will probably be fine, assuming the rest of their health is in good shape.

In fact, there is a good chance that they are healthier than most because they were competing in endurance races.

It was simply a unique experience.

Minor surgeries are also fine.

Along the same lines as before, an athlete who tore an MCL and required surgery is not in danger of death, nor would he be in the future.

Other examples are the removal of moles or cosmetic surgeries.

Third, some recipes are perfectly fine and will not result in a premium or rating increase.

Others may result in severe increases or decreases. These are always a case by case review.

Finally, someone who has been ticketed for going through a stop sign in an accident, or even has been ticketed for speeding (within reason) is of little concern.

Obviously, there are much worse cases, but we will see them a little later. First, let’s look at how the ratings change so that we can delve into the different risk areas.


Higher risk life insurance policies end slightly differently than those approved at standard rates or better.

This is because they have higher costs attributed to them.

However, it is not necessarily a linear increase every time. Remember this when you get quotes as it is a percentage of the increasing base premium.

There are three different ways that your life insurance policy can increase prices:

  • Table classifications
  • Fixed Extras
  • Table classification + Extra Fixed

The easiest way to explain how prices will fluctuate will be through real examples.

For this purpose, we are going to assume a person who had applied for a policy at a standard rate, where the policy premium would have been exactly $ 100 per month.

To illustrate a table classification, it is not too difficult. Each table rating represents a percentage increase in the base premium (the $ 100 sample).

See the table below:

Pago InicialClasificaciónIncremento (%)Pago Nuevo

As you can see above, it is relatively easy to understand. Unfortunately, you really can’t predict this with 100% accuracy because the final rating ultimately depends on the insurer reviewing your case.

The grade in the presentation may not be the passing grade.

If a fixed additional fee is determined to be appropriate for your situation, the calculation is different. It is not based on the premium, but on the details of the life insurance policy.

fixed extra is an increase in cost per thousand coverage for a certain period of time. Basically, the amount of the fee multiplied by the number of thousands you are insuring will determine your cost.

Let’s do an example to illustrate:

An insurer has determined that a fixed extra of $ 1.00 per thousand is appropriate when José the Client requests a policy in the amount of $ 500,000 in coverage. The basic premium, without the fixed extra, will be $ 1,000 per year.

$ 1.00 fixed extra x 500 units of insurance = $ 500 fee

Basic premium of $ 1,000 + fee of $ 500 = new annual premium of $ 1,500

The good thing about a fixed extra is that they can disappear after a period of time. Some additional fixed rates may last only a couple of years, while others could be a decade or more.

On certain occasions where a hazardous occupation or activity has an indefinite purpose, the additional amount may last as long as the applicant assumes the risk.

There are also cases where the two could be combined, and both the table rating and the additional flat rate are assessed at the final policy premium.

This is not so common, as the risk elements for table classifications and fixed extras differ, but could be simultaneous for one person at the time of the request.

The classifications in the table are best suited for risks attributed to medicine, where fixed extras are usually added for anything from DUI to those involved in dangerous activities like rescue diving, hang gliding, or piloting (style factors of life not related to health).


If you need a high-risk subscription, use an independent agent, period.

There is no reason to restrict yourself to one company using a captive agent because every detail can change the outcome of your approval from one company to the next.

Consider putting together a cover letter.

Many agents skip this (we definitely do this for our clients when necessary), so you may need to start the conversation if you choose another agent, but having a cover letter explaining your situation can make a big difference to the subscriber ( is) reviewing your case.

Basically, there are factors not mentioned in a doctor’s medical records that could greatly influence your opinion of the risk you pose.

As an example, let’s say your doctor had noticed: “The client follows a strict diet and exercises regularly.”

This sounds great, but it might not do much to influence the qualifications of your life insurance policy.

However, if you were to write a cover letter and explain exactly what you do and how you eat, you could get positive lifestyle credits (meaning lower grades and cheaper bonuses).

There are many examples we could use, but whenever you think you can explain your situations more clearly and concisely than your doctor (or agent), write a cover letter.

It can only help.

If you use us as your agent, we will also use something called a quick quote, where we can ask subscribers of several different companies about possible qualifications, even before a formal request is submitted.

The idea is, why not apply to life insurance companies that are likely to give up the cheapest prices, even before the doctor’s orders are required?

Look, let’s take diabetes for example.

If we know certain aspects of your diabetic condition, such as A1C, medications, and your height and weight, we can already begin to figure out which companies are better than others, even before considering anything else in your medical profile.

Here are some other tips to keep in mind:

  1. Do a medical exam, if possible; Non-medical life insurance policies are more expensive, and a high-risk person will rarely be approved without an extensive subscription.
  2. Pay annually when possible; paying annually can save 5 to 9% of policy premiums, so it may offset some of the increases you incur.
  3. Know your numbers; Knowing all the details of your medical history, occupation or activities from the beginning will help your agent connect you to an appropriate carrier.

One last thing: Consider requesting a reconsideration as many times as once a year.

If your health status or situation has changed from year to year, you can request a reconsideration from the company annually to see if you may qualify for a lower rate.

Your rating can only improve!

They will give you the benefit of the doubt and allow you to continue with the better of the two ratings. There is no reason not to try.


When it comes to the medical side of things, there are 10 areas of concern for insurers, with more specific conditions and illnesses within each category.


  • Muscular/skeletal
  • Circulatory / Cardiovascular
  • Neurological
  • Digestive / Excretory
  • Endocrine
  • Exocrine / Integumentary
  • Lymphatic
  • Renal / urinary
  • Reproductive
  • Respiratory


One of the main systems of your body, the muscular and skeletal systems give you the ability to move.

In life insurance, movement is a key factor in living a long life.

However, various types of conditions can restrict or completely prevent movement, which can correlate with a sedentary lifestyle, considered a fatal risk.

These are the muscular and skeletal conditions considered high risk for life insurance:

  • Chronic back pain
  • Gout
  • Kyphosis
  • Osteoporosis
  • Paget’s disease
  • Scleroderma


Another important system in the body is the circulatory system, which generally includes the cardiovascular system.

These vital systems house the organs responsible for pumping blood throughout the body, providing your body with all the oxygen and nutrients it needs to survive, while at the same time cleaning out unused or waste material.

The factors of concern for circulatory and cardiovascular risks are the following:

  • Anemia
  • Aneurysm
  • Artificial Heart Valve
  • Atrial fibrillation
  • Blood clots
  • Cardiovascular disease
  • Endocarditis
  • Gastric bypass
  • Heart attack
  • Heart murmur
  • Heart palpitations
  • High blood pressure
  • High cholesterol
  • Hypoglycemia
  • Pacemaker
  • Pulmonary embolism

Neurological deficiencies

The nervous system, another of the most critical bodily systems, is the conglomerate of nerves throughout the body that extracts messages from the brain and sends them to the muscles from head to toe.

Vital to virtually all conscious actions, it is also responsible for the constant unconscious actions that your body performs every minute, every hour, every day.

These neurological deficiencies are the key to underwriting high-risk life insurance:

  • ADHD
  • Bell’s palsy
  • Korea
  • Encephalitis
  • Epilepsy (or seizures)
  • Migraines
  • Parkinsonism
  • Stroke


Your digestive system is one of the key bodily systems to provide you with energy and cleanse the substances used to make room for more.

From the mouth to the intestines and everything in between, the functions of your digestive system allow your body to create usable energy from the food and drinks you eat.

These are the digestive or excretory functions that can cause concern about life insurance approvals:

  • Colon polyps
  • Hepatitis
  • IBS
  • Liver disease
  • Ulcers


One of the smallest systems within your body is important.

The endocrine system is what helps your body regulate, develop and grow, metabolize, stay alert and conscious, and even allow reproductive functions to work, all through the use of hormones.

From various glands throughout the body, it pushes chemical compounds throughout the body using the circulatory pathway to increase communication from one system to the next.

These are the impaired risks taken into consideration within the endocrine system:

  • Cushing’s syndrome
  • Pancreatitis


A very visual system, the exocrine system uses glands, much like the endocrine system, but more towards the outer parts of your body.

Things like hair, nails, skin, and even sweat glands in the armpits are part of the exocrine system.

The key functions are the regulation and protection of other organs and systems.

These are the high risks for life insurance when considering the exocrine system:

  • Skin cancer


Your body’s main defense mechanism, the lymphatic system, carries a fluid called lymph through your body through vessels and nodes.

This system is your line of defense when your body fights unknown diseases or foreign bodies within your blood, muscles, and organs.

These are the lymphatic conditions that subscribers should be aware of:

  • Graves’ disease
  • Hashimoto’s disease
  • Sarcoidosis


At the same time that your bodily functions work for you, they eliminate waste in various ways, one of which is found in the blood system.

Your kidneys, the main organ of the kidney system, filter the blood for chemicals or unwanted substances and excrete them through your urinary system.

This vital combination of systems is critical to living a long life.

These are the kidney and urinary failures that affect life insurance underwriting:

  • Kidney disease
  • kidney cancer
  • Nephritis
  • Proteinuria


The reproductive organs, although their main function is procreation, also play vital roles in working with the endocrine and urinary functions of the body.

They are not necessarily mandatory to live, certain regulations within the body would be prohibited without this system.

These are diseases of the reproductive system that are considered an impediment to life insurance:

  • High PSA
  • Endometriosis
  • Enlarged prostate


The respiratory system is the main breath of fresh air for your body, day after day … literally. As you breathe, your lungs extract much-needed oxygen from the atmosphere and send it to your entire body through the circulatory system.

One of the key systems for survival, it also excretes unwanted vapors, such as carbon dioxide, to keep your body at optimum levels at all times, while awake or sleeping.

These are respiratory conditions considered to be a higher risk for life insurance approvals:

  • Asthma
  • COPD
  • Sleep apnea


Sometimes an illness or condition is not limited to just one area of ​​the body. It can come in one of several areas, for starters, or even more than one at a time.

This is where we would classify autoimmune diseases, as they can affect various systems.

They could also be mental problems, where they are not necessarily a chemical deficiency or imbalance, and they impact the person in various ways.

Finally, they could be a disease or condition caused by strictly environmental factors that affect several systems at the same time.

Here is a list of health risks that are not restricted to a singular system:

  • Alcohol abuse
  • Anxiety Depression
  • Arthritis
  • Benign tumors
  • Bipolar disorder
  • Celiac Disease
  • Eating disorder
  • Hysterectomy
  • Lupus
  • MRS
  • Myasthenia gravis
  • Obesity
  • OCD
  • PTSD
  • Suicide attempt (thoughts)

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