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Life insurance, even with a health history.
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A health history isn’t a dead end.
Every carrier weighs conditions differently. Our guides explain what underwriters look for, from diabetes to cancer history, so you know where you stand before you apply.
Browse conditions A–ZOne conversation. Many carriers.
Quotes come from many insurance companies, not just one, so you can see which carriers are most likely to say yes to your health history.
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Use the calculator for a coverage recommendation and approximate costs, or see what term life insurance costs at every age.
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All articlesAnswers
Can I get life insurance with a pre-existing condition?
Often, yes. Carriers underwrite the same condition very differently, so the company that declines you may not be the only option. Our condition guides explain what underwriters look at, and an agent can point you to carriers that fit your history.
Do I need a medical exam?
Not always. Many policies are issued without an exam, and guaranteed issue policies ask no health questions at all. See our no-exam guide for who qualifies and the trade-offs.
Does it cost anything to compare quotes?
No. Comparing quotes is free and there is no obligation to apply.
Who will contact me after I request a quote?
Pinney Insurance Center, Inc., a licensed insurance agency, by phone, email or text. We will not sell your information to a third party.