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Best life insurance companies for pre-existing conditions

These insurers are well-equipped to cover people with pre-existing conditions.

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While a pre-existing health condition can make it more challenging to find the level of coverage you’re looking for, there are a bunch of insurers that specialize in “riskier” applicants.

When analyzing life insurance companies, we assess each insurer’s reputation in the industry, as well as their product lineup, rider selection and underwriting standards. To determine industry reputation, our editorial team researches the company’s financial strength, accreditations and ratings, and reads customer reviews. For the best life insurers for people with pre-existing conditions, we also considered each company’s flexibility, including no-exam, simplified issue, underwriting process and issue age.

All five of these companies can assess your risk factors and offer both affordable and adequate coverage.

5 best life insurance companies for pre-existing conditions

These five insurers make life insurance more accessible and affordable for people with pre-existing conditions.

Best overall pick: Ethos

Ethos logo
Finder Rating: 2.5 / 5


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$25,000 – $10,000,000
Coverage range
18 – 75 years
Issue age
Ethos is a fintech company that breaks down the barriers many people with pre-existing conditions face when buying coverage. It offers instant term life policies online to those aged 18 to 75, and most policyholders can qualify for up to $1 million in coverage without taking a medical exam.
  • Choose a term life policy lasting 10, 15, 20 or 30 years.
  • All policies are issued and backed by Assurity, a financially strong and well-known insurer.
  • Unlike most fintech companies, Ethos allows you to customize your policy with riders — like a critical illness rider.
Coverage range $25,000 – $10,000,000
Term lengths 10, 15, 20, or 30 years
Issue age 18 – 75 years
Medical exam required Medical exams not required in most cases

Best for lenient underwriting: Legal & General

Legal & General logo
Finder Rating: 3.5 / 5


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$100,000 – $10,000,000
Coverage range
20 – 75 years
Issue age
Typically, insurers hike up the rates for people with pre-existing conditions or deny coverage altogether. But Legal & General's underwriting guidelines are more relaxed, which opens up life insurance for high-risk applicants — such as those with health issues working against them. Its rates are competitive, too.
  • Sells convertible term life insurance up to age 70, so you can upgrade to a permanent policy if you wish.
  • Sells convertible term life insurance up to age 70, so you can upgrade to a permanent policy if you wish.
  • Add common riders to your policy, including a disability or child term rider.
Coverage range $100,000 – $10,000,000
Term lengths 10, 15, 20, 25, 30, 35, 40 years
Issue age 20 – 75 years

Best for simplified issue policies: Transamerica

Transamerica logo
Finder Rating: 3 / 5


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$25,000 – $10,000,000
Coverage range
18 – 80 years
Issue age
If you'd prefer to skip the medical exam, you could be in the market for a simplified or guaranteed issue policy. Among other types of coverage, Transamerica offers an excellent final expense policy. Once your policy is approved, it's issued immediately and the premiums stay the same.
  • Speak to an agent about the various payment plans available.
  • The insurer also sells term, whole, universal and indexed universal life insurance.
  • All term policies are convertible up until the deadline.
  • Buy a policy with a face value of $25,000 to $1 million.
Coverage range $25,000 – $10,000,000
Term lengths 10, 15, 20, 25, or 30 years
Issue age 18 – 80 years

Best for guaranteed issue policies: Mutual of Omaha

Mutual of Omaha logo
Finder Rating: 3.5 / 5


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$2,000 – $500,000+
Coverage range
18 – 68 years
Issue age
Guaranteed issue policies are usually sold as final expense policies and limited to small amounts, like $50,000. But Mutual of Omaha has a permanent policy option, too. The insurance giant sells guaranteed universal life (GUL) insurance up to age 85, and waives the medical exam for policies worth less than $250,000.
  • Offers affordable rates to high-risk applicants, including those with pre-existing conditions.
  • Choose from a range of riders, including an accidental death benefit, waiver of premium and disability rider.
  • Excellent reputation for customer service. Mutual of Omaha ranked fifth of 23 insurers surveyed in J.D. Power's latest life insurance study.
Coverage range $2,000 – $500,000+
Term lengths 10, 15, 20 and 30 years
Issue age 18 – 68 years

Best life insurance broker: Sproutt

Sproutt logo
Finder Rating: 3.5 / 5


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$50,000 – $10,000,000
Coverage range
18 – 100 years
Issue age
Whether you have a pre-existing condition or not, it pays to shop around. Sproutt is an online broker that compares policies, rates and riders from over 40 top-rated carriers at once. The buying experience is seamless, and caters to people aged 18 to 100 who are looking for coverage between $50,000 and $10 million.
  • Compares policies without medical exams, including guaranteed issue, simplified issue, final expense and graded death benefit policies.
  • Sources quotes for term, whole, universal and variable life insurance policies.
  • Easy online application — though if you're in the market for a permanent policy, you'll need to reach out to the team.
Coverage range $50,000 – $10,000,000
Term lengths 5, 10, 15, 20, 25 and 30 years
Issue age 18 – 100 years
Medical exam required No

Financial ratings for the best life insurance companies

An insurer’s financial strength is important because your beneficiaries might not file a claim for years or decades to come. The insurers on our list scored top ratings with the major agencies, which means they have the cash reserves to pay out claims.

In J.D. Power’s latest life insurance study, Mutual of Omaha ranked fifth of 23 insurers surveyed, while Transamerica landed in eighteenth place.

AgencyEthosLegal & GeneralTransamericaMutual of OmahaSproutt
Standard & Poor’sN/AAA-AA-AA-N/A
J.D. PowerN/AN/A2 out of 54 out of 5N/A

Note: Sproutt doesn’t actually sell life insurance policies, so financial ratings don’t apply. However, the broker works with a range of major carriers, including AIG, Principal and SBLI.

Customer reviews and reputation for the best life insurance companies

To find out how insurers treat their policyholders, we turned to the Better Business Bureau (BBB). All five carriers are highly rated with the BBB for their customer engagement, while most customer reviews are linked to complaints about claims processes.

ProviderBBB ratingCustomer reviews
Legal & GeneralA+None
TransamericaA-1.5 out of 5 stars
Mutual of OmahaA+1.5 out of 5 stars

Bottom line

If you have a pre-existing condition, you might feel like you’re backed into an expensive corner when it comes to life insurance. But that doesn’t have to be the case. With competitive rates and lenient underwriting, the insurers on our list open up coverage to those with health issues against them.

To explore your options further, compare life insurance companies.

Compare other life insurance companies

If you’re worried about high premiums because of a pre-existing condition, look into these instant-approval term life insurance policies.

Name Product Issue age Minimum Coverage Maximum Coverage Medical Exam Required
18 - 100 years old
This life insurance broker combines technology and the human touch to match you with a policy tailored to your needs.
18 - 85 years old
Depends on provider and policy
Compare affordable quotes from 12+ A-rated life insurance companies side-by-side.
21 - 54 years old
Affordable 10- and 20-year term life insurance policies with instant quotes and no medical exams.
Everyday Life
20 - 75 years old
Build a customized laddering strategy to target specific financial responsibilities and save on term life.
25 - 60 years old
Depends on policy
Get affordable term life insurance with accelerated underwriting or no-exam coverage up to $1,000,000. Available in all states except CA, NY and MT.

Compare up to 4 providers

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