Popular myths about life insurance and pre-existing conditions

Don't let common misconceptions stop you from getting the right policy.

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There’s a lot of misinformation when it comes to life insurance — especially for customers with pre-existing conditions. Learn what to expect when applying for a policy so you can get the best deal.

Life insurance myths

There’s a lot of confusion around life insurance. While it can be a complex product, it has a simple purpose: to provide for your loved ones when you’re gone.

These are some of the most common myths about life insurance:

Can I get life insurance if I have a pre-existing condition?

Possibly, but it depends on your condition and your insurer. Most providers have a list of pre-existing medical conditions that they will provide coverage for, and many insurers can adjust policies or premiums to provide coverage to people with pre-existing conditions.

But some insurers outright refuse to cover customers with certain pre-existing conditions, so it’s a good idea to contact the insurer you’re interested in directly to find out if they’re willing to cover your condition.

Myths about life insurance if you have a pre-existing condition

If you have a pre-existing condition, there’s a lot of additional misinformation floating around, like:

  • I won’t be able to get insurance coverage. Many people with pre-existing medical conditions are able to get coverage, though it may cost a bit more.
  • If my application was denied, I’ll never get coverage. Policy features and coverage limits differ between providers. Just because one insurance company excludes your condition doesn’t mean that all other companies will do the same.
  • I don’t need to tell my insurer about a condition that occurred a long time ago. It’s essential that you make your provider aware of any condition that may affect your application.

What happens if I don’t tell my insurer about my pre-existing medical condition?

In the event that a claim is made, insurers go to great lengths to ensure that the claim was not a result of any known conditions that should have been made clear during the application.

If it’s found that information was withheld during application, the insurer will reject the claim and there will be no payment made or refund of any premium payments.

Compare life insurance providers

Name Product Issue Ages Coverage Range Medical Exam Required State Availability
18 - 85 years old
$10,000 to $10,000,000+
Depends on provider and policy
All 50 states
Compare quotes from 16 life insurance companies side by side.
18 - 64 years old
$100,000 to $3,000,000
No
All 50 states
Customized term life insurance policies up to $3 million, no medical exam required.
18 - 75 years old
$100,000 to $10,000,000
Yes
Get a term life insurance quote from this A+ rated company, founded in 1875.
20 to 60 years old
$100,000 to $8,000,000
No
Not available in New York
Term life insurance with no policy fees and the freedom to cancel anytime. Simple application process that can get you approved for coverage instantly.
25 - 60 years old
$100,000 to $5,000,000
No
Available in all states except for Montana
Offers term life insurance with accelerated underwriting. No-exam coverage up to $1,000,000 for those who qualify.
21 - 54 years old
$50,000 to $1,000,000
No
Not available in Alaska or New York
Affordable 2-, 10- and 20-year term life insurance policies. Instant quotes and no medical exams.
18 - 80 years old
$2,000 to $10,000,000
Depends on policy
20 - 80 years old
$25,000 to $10,000,000
No
All 50 states
Quickly get a quote for coverage with this marketplace, which compares term & whole life insurance policies from 45+ carriers.
20 - 85 years old
$100,000 to $1,000,000
Depends on policy
All 50 states
Get a term or whole life insurance quote from Fidelity Life - starting as low as $15/day.
eCoverage
eCoverage
25 - 83 years old
$25,000 to $1,000,000
Depends on policy
Get a term life quote from eCoverage - starting at as low as $15 per month.

Compare up to 4 providers

Name Product Issue Ages Coverage Range Medical Exam Required State Availability
18 - 85 years old
$10,000 to $10,000,000+
Depends on provider and policy
All 50 states
Compare quotes from 16 life insurance companies side by side.
20 - 80 years old
$25,000 to $10,000,000
No
All 50 states
Quickly get a quote for coverage with this marketplace, which compares term & whole life insurance policies from 45+ carriers.
25 - 60 years old
$100,000 to $5,000,000
No
Available in all states except for Montana
Offers term life insurance with accelerated underwriting. No-exam coverage up to $1,000,000 for those who qualify.
18 - 80 years old
$50,000 to $25,000,000
Depends on provider and policy
All 50 states and D.C.
Get a quote within minutes from more than a dozen insurers.
18 - 60 (or 55 for smokers)
$50,000 to $350,000
No
Lifefy is not available in the following states: Hawaii, Illinois, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey, New York, Oregon, Pennsylvania, Puerto Rico, Utah, Virginia, Washington
Offers quick, affordable Term and Guaranteed issue life insurance. Coverage up to $350,000. Only available in 38 states.
eCoverage
eCoverage
25 - 83 years old
$25,000 to $1,000,000
Depends on policy
Get a term life quote from eCoverage - starting at as low as $15 per month.
18 - 75 years old
$100,000 to $5,000,000
Depends on provider and policy
Currently unavailable in New York
Apply for a simple instant-decision policy free of charge. Compare quotes from multiple A-rated carriers.

Compare up to 4 providers

Bottom line

There’s a lot of misinformation floating around when it comes to life insurance, especially if you have a pre-existing condition. It is possible to get coverage, but you may have to put in a little extra work to find the right policy.

If you’re ready to get started, compare life insurance companies to find a policy that fits your needs and budget.

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