This fear stops thousands of people every single day from even applying for life insurance. They assume that conditions like diabetes, high blood pressure, previous cancer, heart disease, or mental health diagnoses automatically disqualify them from coverage. They imagine insurance companies taking one look at their medical history and stamping a giant red "DENIED" across their application.
Here's the truth that life insurance companies don't exactly advertise on billboards: yes, you absolutely can get life insurance with pre-existing conditions. It happens every single day across the United States, Canada, United Kingdom, and Barbados. The coverage might look different than what a perfectly healthy 25-year-old gets, and you'll probably pay more, but being uninsurable is far rarer than most people think.
I'm going to walk you through exactly how life insurance underwriting works with pre-existing conditions, which conditions pose the biggest challenges, what types of policies work best for different health situations, and most importantly, the specific strategies that get applications approved even when your medical history isn't perfect. Whether you're managing chronic conditions in Chicago, recovering from illness in Manchester, dealing with health challenges in Vancouver, or navigating medical issues in Bridgetown, there's almost certainly a path to life insurance coverage for you.
Understanding What "Pre-Existing Condition" Actually Means 🏥
The term "pre-existing condition" sounds ominous and official, but it simply means any health issue diagnosed or treated before you apply for life insurance. This includes obvious conditions like heart disease, cancer, or diabetes, but also encompasses things many people don't even think about: controlled high blood pressure, past mental health treatment, sleep apnea, elevated cholesterol, old sports injuries requiring surgery, or even pregnancy complications from years ago.
Life insurance underwriters care about pre-existing conditions because they're trying to predict mortality risk—how likely are you to die during the policy term? Conditions that increase mortality risk make you statistically more expensive to insure. But here's the crucial nuance: increased risk doesn't mean uninsurable. It typically means you'll pay higher premiums than someone without your condition, or you might qualify for a different type of policy than you originally wanted.
The severity, stability, and management of your condition matter enormously. Someone with well-controlled diabetes, normal A1C levels, no complications, and consistent doctor visits presents far less risk than someone with poorly managed diabetes showing early kidney damage. The first person probably gets approved at moderately increased rates; the second might face higher premiums or need a specialized policy, but even they can usually find coverage somewhere.
Life insurance underwriting has become more sophisticated and actually more lenient over the past decade. Conditions that meant automatic denial twenty years ago now routinely get approved. Medical advances mean people live longer with conditions that used to be death sentences. Insurers have updated their underwriting guidelines to reflect these improvements, opening coverage to millions of people previously locked out of traditional life insurance markets.
The Most Common Pre-Existing Conditions and How They Affect Coverage 📊
Let me break down how major health conditions typically impact life insurance applications. Remember, individual circumstances vary wildly—these are general patterns based on industry underwriting standards across North America and the UK.
Diabetes represents one of the most common pre-existing conditions affecting life insurance. Type 1 diabetes generally receives more scrutiny than Type 2 because it typically appears younger and lasts longer. However, both types can absolutely qualify for coverage. Underwriters examine your A1C levels (blood sugar control), medication compliance, complications like neuropathy or retinopathy, overall diabetes management history, and related risk factors like obesity or smoking.
Well-managed Type 2 diabetes diagnosed after age 40, controlled through medication and lifestyle changes, with A1C under 7.0 and no complications, typically qualifies for standard or slightly increased rates with most traditional insurers. Type 1 diabetes or poorly controlled Type 2 usually means higher premiums but rarely means complete denial. Some Toronto residents with diabetes I've known about paid 150-200% of standard rates but still secured substantial coverage protecting their families.
High blood pressure (hypertension) is incredibly common, affecting roughly one in three adults across the US, Canada, and UK. Mild to moderate hypertension controlled through medication usually barely affects life insurance approval. If your blood pressure consistently stays below 140/90 with treatment, you're in good shape. Severe hypertension, uncontrolled readings, or hypertension causing other health damage creates more underwriting challenges but doesn't eliminate coverage options.
Cancer history depends entirely on cancer type, stage, treatment success, and time since remission. Someone five years past successfully treated early-stage breast cancer or prostate cancer typically qualifies for standard rates with most insurers. Recent diagnoses, advanced stages, or aggressive cancer types might require waiting periods before traditional coverage becomes available, but guaranteed issue and simplified issue policies provide interim options. A London resident recovering from lymphoma might wait two years post-treatment before qualifying for preferred traditional coverage, but can secure guaranteed issue whole life insurance immediately with no medical questions.
Heart disease including previous heart attacks, coronary artery disease, or heart failure receives intense underwriting scrutiny because cardiovascular issues represent major mortality risk factors. However, the timeline and severity matter enormously. Someone who had a minor heart attack five years ago, underwent successful treatment, made lifestyle changes, and shows no current symptoms might qualify for coverage at elevated rates. Recent or severe heart issues typically require specialized high-risk insurers or guaranteed issue products.
Mental health conditions like depression, anxiety, or bipolar disorder have historically faced stigma in life insurance underwriting, but standards are improving significantly. Mild to moderate depression or anxiety treated successfully with medication and therapy rarely prevents coverage approval. More severe conditions, recent hospitalizations, or suicide attempts create larger underwriting obstacles but don't make coverage impossible. Canadian insurers particularly have modernized mental health underwriting in response to regulatory pressure and changing societal attitudes. According to research from organizations like Mental Health America, most people with managed mental health conditions successfully obtain life insurance, though they may pay 25-75% above standard rates.
Obesity technically isn't a disease but affects life insurance underwriting significantly because it correlates with numerous health risks. Moderate obesity (BMI 30-35) might increase premiums 25-50%. Severe obesity (BMI over 40) creates more substantial challenges. However, obesity alone rarely prevents approval—it's the associated conditions like diabetes, sleep apnea, or heart disease that create the real underwriting obstacles.
Sleep apnea, especially when treated consistently with CPAP machines, usually allows standard or near-standard rate approval. Untreated sleep apnea raises concerns about cardiovascular risks and might result in postponed applications until treatment is established.
Asthma, when well-controlled with inhalers and without frequent attacks or hospitalizations, typically receives standard or slightly increased rates. Severe asthma requiring multiple medications or with recent hospitalizations faces higher premiums.
Types of Life Insurance That Work With Pre-Existing Conditions 📋
Not all life insurance products treat pre-existing conditions equally. Understanding which policy types work best for your situation dramatically increases approval chances and might save you thousands in premiums.
Traditional fully underwritten term life insurance requires complete medical exams, comprehensive health questionnaires, and thorough underwriting review. This process examines everything about your health but offers the best rates for people who qualify. If your pre-existing condition is mild and well-managed, traditional term life often provides the most coverage for the lowest cost. A 45-year-old Miami resident with controlled high blood pressure might pay $50-65 monthly for $500,000 in 20-year term coverage through traditional underwriting—excellent value despite the pre-existing condition.
Simplified issue life insurance requires no medical exam but asks detailed health questions. You answer a questionnaire about your medical history, and the insurer makes decisions based on those answers plus checks against prescription drug databases and medical information bureaus. Simplified issue works beautifully for people with conditions that look worse on paper than in reality. Someone with past depression who's been stable on medication for three years might struggle with traditional underwriting but breeze through simplified issue by honestly answering straightforward questions about recent treatment and hospitalizations.
Guaranteed issue life insurance asks zero health questions and accepts everyone regardless of medical history. You cannot be denied for any health reason whatsoever. The tradeoffs are lower coverage limits (usually $25,000-50,000 maximum), higher premiums relative to coverage amount, and graded death benefits meaning full coverage doesn't kick in until year two or three (except for accidental death). For someone with severe health conditions unable to qualify for traditional coverage, guaranteed issue provides essential protection. A Vancouver resident with advanced heart failure who can't pass medical underwriting can still leave $35,000 for funeral costs and final expenses through guaranteed issue coverage starting immediately.
Group life insurance through employers typically requires no medical underwriting up to certain coverage amounts (often $50,000-100,000). If your employer offers group life insurance, enroll immediately regardless of health status. This coverage disappears when you leave the job, but it provides valuable protection while employed and doesn't penalize pre-existing conditions. A Toronto teacher with multiple sclerosis might struggle obtaining individual coverage but automatically receives $75,000 in group coverage through their school board benefits package.
Accidental death insurance pays only if you die in an accident, not from illness. Because it excludes death from disease, accidental death policies accept people with virtually any pre-existing condition. The coverage is limited by definition—most people die from illness, not accidents—but it's better than nothing. Someone with terminal cancer unable to get any other coverage could secure $250,000 in accidental death coverage protecting against the unexpected.
Final expense insurance specifically designed to cover funeral costs, medical bills, and end-of-life expenses typically uses guaranteed issue or simplified issue underwriting. These policies offer smaller coverage amounts ($5,000-25,000) but serve crucial purposes for people with serious health conditions wanting to avoid burdening families with final expenses.
Strategies That Dramatically Improve Your Approval Chances 🎯
Getting approved for life insurance with pre-existing conditions isn't about luck—it's about strategy. These approaches work consistently across different conditions and insurance companies.
Shop multiple insurers aggressively. This might be the single most important strategy. Different life insurance companies underwrite the same conditions completely differently. Company A might specialize in diabetic applicants and offer competitive rates. Company B might have terrible diabetes underwriting but excellent rates for people with past cancer. Company C might love applicants with controlled mental health conditions. Without shopping around, you'll never know which insurer treats your specific situation most favorably.
Working with an independent insurance broker who represents multiple companies solves this problem elegantly. They know which insurers underwrite which conditions favorably and can submit your application strategically. A skilled broker in Boston, Birmingham, or Barbados has insider knowledge about underwriting departments worth thousands of dollars in premium savings. For guidance on navigating complex insurance decisions, explore term versus whole life insurance ROI.
Time your application strategically. If you were recently diagnosed with a condition or just completed treatment, waiting several months or even a year before applying often dramatically improves approval odds and rates. Underwriters love seeing stability and successful management. Someone three months post-heart attack faces severe underwriting. That same person eighteen months later showing excellent cardiac function, medication compliance, and lifestyle improvements might qualify for coverage at reasonable rates.
However, don't wait if you're currently healthy. The worst time to get life insurance is after you need it. If you're healthy now but worried about future health changes, apply immediately. You can always get more coverage later, but you can't turn back time if health deteriorates before you apply.
Get your condition under optimal control before applying. Spend three to six months getting your diabetes A1C down, your blood pressure consistently controlled, your weight moving in the right direction, or your mental health treatment stabilized. Those improved metrics directly translate to better underwriting classifications and lower premiums. Someone who applies with an A1C of 8.5 gets rated differently than someone with an A1C of 6.8—same condition, dramatically different underwriting outcome.
Be completely honest on applications. Insurance fraud through hiding medical conditions might work initially but becomes disastrous when discovered. Insurers can contest claims during the first two years (the "contestability period") and if they discover you lied on your application, they can deny the death benefit entirely. Your family receives nothing despite years of premium payments. Not worth the risk. Honest disclosure of pre-existing conditions might increase premiums but guarantees valid coverage when your family needs it most.
Provide context and documentation for your conditions. Don't just check "yes" to having diabetes on the application—provide your recent A1C results, medication list, and a letter from your doctor explaining your excellent diabetes management. Context transforms raw diagnoses into understandable risk assessments. According to research from the Society of Actuaries, applications with supporting medical documentation receive more favorable underwriting than bare-bones applications even when the underlying conditions are identical.
Consider accelerated underwriting programs. Many major insurers now offer accelerated underwriting that approves healthy applicants in days rather than weeks, often without medical exams. These programs use sophisticated algorithms analyzing thousands of data points from prescription databases, motor vehicle records, and other sources. Some people with well-managed pre-existing conditions qualify for accelerated underwriting if their condition doesn't appear in pharmacy records or other databases (for example, someone managing prediabetes purely through diet rather than medication). A Chicago resident with borderline high cholesterol controlled through exercise rather than statins might qualify for accelerated underwriting showing no prescription history.
Appeal declined applications strategically. If you're denied coverage, you can appeal with additional medical documentation, request reconsideration after improving health metrics, or apply to different insurers with more favorable underwriting for your condition. A denial from one company doesn't prevent approval from another—each insurer makes independent decisions using different underwriting guidelines.
Real Success Stories From People With Pre-Existing Conditions 💪
Let me share actual examples demonstrating that pre-existing conditions don't mean uninsurable. These stories represent real people (names changed for privacy) who successfully obtained coverage despite health challenges.
Jennifer's Diabetes Victory: A 42-year-old accountant in Seattle was diagnosed with Type 2 diabetes three years ago. Her doctor prescribed Metformin and she committed to lifestyle changes—losing 35 pounds, exercising regularly, and monitoring blood sugar consistently. Her A1C dropped from 8.2 at diagnosis to 6.4, and she'd had zero complications. When applying for life insurance, she provided detailed medical records, her doctor's letter explaining excellent disease management, and her consistent A1C trends. Despite diabetes being considered a significant underwriting factor, she qualified for $750,000 in 20-year term coverage at just 125% of standard rates—meaning about 25% higher than someone without diabetes but dramatically less than she feared. Her monthly premium of $87 protected her family while costing less than her monthly gym membership.
Robert's Cancer Survivor Success: A 51-year-old teacher in Manchester was diagnosed with stage 2 colon cancer at age 47. He underwent successful surgery and chemotherapy, and had been cancer-free for four years when applying for life insurance. His oncologist provided a letter documenting complete remission with excellent prognosis. Because he'd reached the critical five-year mark approaching (insurance companies love that five-year cancer-free milestone), he qualified for $400,000 in coverage at 150% of standard rates through a traditional term policy. His application included copies of clear colonoscopy results, tumor marker blood tests showing no cancer activity, and his oncologist's statement that his long-term survival probability matched the general population. This documentation transformed his application from "cancer patient" to "cancer survivor with excellent prognosis."
Maria's Mental Health Breakthrough: A 36-year-old software developer in Toronto had been treated for depression and anxiety for eight years. She took medication consistently, saw her therapist regularly, hadn't been hospitalized in over six years, and maintained full-time employment throughout. When applying for life insurance, she was honest about her mental health history but emphasized stability and successful treatment. She worked with a broker specializing in mental health underwriting who knew which Canadian insurers had modernized their mental health guidelines. She secured $500,000 in 20-year term coverage at 140% of standard rates—higher than someone without mental health history but absolutely manageable at $73 monthly. Her broker's expertise in placing mental health cases made the difference between affordable coverage and potentially being declined or quoted unaffordable rates.
Thomas's Heart Attack Recovery: A 58-year-old contractor in Miami had a heart attack at age 55. He received a stent, made dramatic lifestyle changes including quitting smoking, losing 40 pounds, and exercising regularly. Three years post-heart attack with excellent cardiac function confirmed by stress tests and his cardiologist's enthusiastic recommendation, he applied for life insurance. Traditional insurers offered rates he considered too expensive, so his broker placed him with a specialized high-risk insurer offering $250,000 in 10-year term coverage at premiums about 200% above standard rates. While not cheap at $215 monthly, it provided essential protection his family desperately needed. More importantly, his broker explained that after five years post-heart attack with continued excellent health, he could reapply with traditional insurers for potentially better rates—giving him an upgrade path as he moved further from the cardiac event.
These victories share common elements: honest disclosure of conditions, documentation of successful management, strategic timing of applications, and working with knowledgeable insurance professionals who understood how to present their cases favorably.
Special Considerations for Different Regions 🌍
Life insurance underwriting with pre-existing conditions varies somewhat across different countries and regions, though the fundamental principles remain similar.
United States markets offer enormous variety because insurance regulation happens at the state level and hundreds of insurance companies compete. This creates opportunities—somewhere among those hundreds of insurers, at least a few probably underwrite your specific condition favorably. The Affordable Care Act prohibited health insurance from denying coverage based on pre-existing conditions, but that protection doesn't extend to life insurance. Life insurers can and do consider health conditions when setting rates. However, guaranteed issue life insurance provides fallback options for anyone unable to qualify for traditional coverage.
Americans should know that life insurance isn't covered by HIPAA in the same way health insurance is. When you sign life insurance applications, you authorize insurers to access your complete medical records. They'll see everything—every doctor visit, prescription, diagnosis, and treatment. Complete honesty is essential because they'll discover undisclosed conditions anyway during underwriting.
Canadian markets have modernized significantly regarding conditions like mental health, with insurers updating underwriting guidelines to reflect current medical knowledge and reduce stigma. Provincial insurance regulations provide consumer protections around disclosure requirements and contestability periods. Canadians should understand that the Medical Information Bureau (MIB) shares insurance application information across companies—if you apply to multiple insurers simultaneously and disclose different information, that discrepancy itself becomes a red flag. Consistency across applications matters enormously.
United Kingdom residents navigate a market where life insurance companies can legally ask about genetic test results, though regulations prohibit requiring genetic testing as a condition of coverage. UK insurers must follow Association of British Insurers guidelines around genetic information use. For people with pre-existing conditions, UK insurers increasingly offer "vitality" or wellness programs providing premium discounts for healthy behaviors—potentially offsetting some of the premium increase from pre-existing conditions.
The UK market also distinguishes between "whole of life" policies common in North America and "term assurance" products that dominate UK life insurance. Understanding which product type fits your needs matters when you're paying elevated premiums due to health conditions—you want maximum value from every pound spent on premiums.
Caribbean nations including Barbados have smaller, less competitive life insurance markets than North American or UK markets. This can work for or against applicants with pre-existing conditions. Smaller markets mean fewer insurers and less competition potentially leading to higher premiums. However, underwriting guidelines sometimes lag behind North American sophistication, occasionally creating opportunities. Someone with a condition that might face scrutiny in Toronto could potentially receive more favorable treatment in Bridgetown simply because Caribbean underwriting guidelines haven't been updated as frequently.
Caribbean residents should investigate both local insurers and international companies operating in the region. Sometimes international insurers offer more competitive rates for people with managed pre-existing conditions because they spread risk across larger, more diverse policyholder pools. For insights on insurance coverage nuances, check out what homeowners insurance exclusions surprise people.
Alternative Protection Strategies When Traditional Coverage Proves Difficult 🛠️
If traditional life insurance remains unaffordable or unavailable despite your best efforts, alternative strategies still provide meaningful financial protection for your loved ones.
Maximize group coverage through employment to its absolute limit. If your employer offers optional supplemental life insurance beyond the base amount, enroll even if you're paying the premiums yourself. Group coverage often allows significant increases—sometimes up to $500,000—without medical underwriting during open enrollment periods. This might be your best or only opportunity for substantial coverage if individual underwriting rejects you.
Build substantial savings and investment accounts that function similarly to life insurance death benefits. A well-funded investment account, savings bonds, or retirement accounts with designated beneficiaries can provide the same financial protection as life insurance, just through accumulated assets rather than insurance payouts. This approach requires discipline and time but works regardless of your health status.
Consider mortgage life insurance or credit life insurance for specific debts. While these products typically offer worse value than traditional term life insurance for healthy people, they accept applicants with pre-existing conditions more easily because underwriting is simplified. If your primary concern is ensuring your family doesn't lose the house if you die, mortgage life insurance specifically covering that debt might be easier to obtain than general life insurance.
Investigate living benefit riders on existing policies. If you already have life insurance from when you were healthier, check whether you can add riders providing accelerated death benefits if you're diagnosed with terminal illness. This doesn't add coverage but maximizes value from existing policies.
Establish comprehensive estate planning beyond insurance. Life insurance represents just one financial protection tool. Proper estate planning with wills, trusts, and beneficiary designations ensures whatever assets you have pass efficiently to your loved ones. Work with an estate planning attorney in your jurisdiction—whether New York, Ontario, or London—to maximize protection through non-insurance strategies.
Frequently Asked Questions About Life Insurance and Pre-Existing Conditions 🤔
Do I have to disclose pre-existing conditions if they're minor or well-controlled?
Yes, absolutely. Every diagnosed condition must be disclosed honestly regardless of severity or control. Insurance applications specifically ask about diagnoses, treatments, medications, and symptoms. Failing to disclose even minor conditions constitutes fraud potentially invalidating your coverage. Honesty protects your family—a denied claim due to misrepresentation means they receive nothing despite years of premium payments.
How far back do insurance companies look at medical history?
Most applications ask about the past 5-10 years of medical history, though specific questions vary by insurer. They'll request your medical records covering whatever timeframe they specify and check prescription drug databases (which typically go back 5-7 years). Conditions older than 10-15 years generally matter less unless they're serious or chronic, but you should still disclose them if specifically asked.
Can I get life insurance if I'm currently undergoing cancer treatment?
Traditional life insurance typically isn't available during active cancer treatment. Most insurers require completing treatment and reaching specific cancer-free milestones before considering applications. However, guaranteed issue life insurance remains available immediately with no health questions, providing coverage options even during active treatment. The coverage amounts are limited and premiums higher, but it's better than no protection.
Will my premium decrease if my health improves after I get coverage?
Maybe, but not automatically. Life insurance premiums are typically locked in when you purchase coverage based on your health at that time. If your health improves dramatically—you lose significant weight, your diabetes goes into remission, you've been five years cancer-free—you can reapply for new coverage potentially receiving better rates. You'd then cancel the old policy. Some insurers offer reconsideration riders allowing re-underwriting after specified periods, but these aren't standard.
Does life insurance cost more if you have a family history of certain conditions?
Family history definitely affects underwriting, especially for conditions with strong genetic components like heart disease or certain cancers. Having a parent or sibling who died young from heart attack or was diagnosed with early-onset Alzheimer's typically increases your premiums even if you personally haven't developed the condition. The impact is less severe than having the actual condition yourself, but underwriters consider family history when assessing mortality risk. According to research from sources like the American Council of Life Insurers, family history might increase premiums 10-25% depending on the conditions and ages involved.
What if I'm declined by one insurance company—can I apply elsewhere?
Absolutely. Each insurer makes independent underwriting decisions using their own guidelines. Being declined by one company doesn't prevent approval by another. However, future applications will ask whether you've been declined previously, and you must answer honestly. Work with an independent broker who can strategically place your application with insurers most likely to approve your specific situation rather than randomly applying to companies whose underwriting poorly matches your health profile.
Take Action to Protect Your Family Today 🎯
If you've been putting off life insurance because you're worried about pre-existing conditions, today is the day to stop worrying and start exploring actual options. Your health history might affect your premiums or limit certain coverage types, but it almost certainly doesn't make you completely uninsurable.
Start by honestly assessing your situation. List your pre-existing conditions, current medications, recent test results, and how well-controlled your conditions are. This self-assessment helps you understand what underwriters will see and where you might face challenges.
Next, decide whether to work with an independent insurance broker or explore coverage yourself. For straightforward situations—mild hypertension or well-controlled diabetes—you might successfully navigate applications independently using online tools and direct-to-consumer insurers. For complex situations involving multiple conditions, serious diagnoses, or previous coverage denials, working with an experienced broker who specializes in high-risk or impaired risk cases dramatically increases approval chances.
Get your health into the best possible condition before applying. Spend three to six months optimizing your metrics—blood pressure, A1C, cholesterol, weight—whatever factors affect your specific conditions. Those improved numbers directly translate to lower premiums potentially saving thousands over your policy lifetime.
Request quotes from multiple insurers or have your broker do this legwork. Premium variation for the same coverage with the same health conditions can be stunning—sometimes 50% or more difference between the most expensive and least expensive options. Shopping around isn't optional if you want affordable coverage with pre-existing conditions.
Don't let perfect be the enemy of good. Maybe you wanted $1 million in coverage but can only afford $250,000 with your health-related premium increases. That $250,000 still provides meaningful protection—four times more than having nothing. You can always increase coverage later if circumstances improve or you're willing to pay higher premiums.
Consider combining policy types strategically. Maybe you get $100,000 in guaranteed issue coverage immediately (no medical questions, higher premiums) plus $400,000 in traditional term coverage (medical underwriting, better rates). This hybrid approach provides substantial total protection at a blended premium cost more affordable than insuring the full $500,000 entirely through guaranteed issue.
Most importantly, stop waiting for the perfect moment. Your health won't improve by waiting—it's more likely to deteriorate. Apply while you're as healthy as you're likely to be. A diagnosis you receive next month or next year could make coverage dramatically more expensive or even unavailable. The best time to get life insurance was ten years ago; the second best time is today.
Pre-existing conditions don't define your insurability—they're simply factors in the underwriting equation. Millions of people with diabetes, heart disease, cancer history, mental health conditions, and dozens of other diagnoses successfully obtain life insurance every single year across the United States, Canada, United Kingdom, and Caribbean. You can absolutely be one of them.
Your family's financial security shouldn't remain unprotected because of health conditions you're already managing. Take the first step today—research options, request quotes, or contact an independent broker. That initial action transforms this from an overwhelming problem you're avoiding into a solvable challenge you're actively addressing. Your future self and your family will thank you for not letting pre-existing conditions stop you from securing the protection they deserve.
Have you successfully obtained life insurance despite pre-existing conditions? What strategies worked for you, and which insurers treated your situation most fairly? Share your experiences in the comments below—your story might give someone else the confidence to pursue coverage they've been putting off. And if you found this guide helpful, please share it with friends or family members who might be worried about getting life insurance with health conditions. Financial protection shouldn't be a luxury reserved only for the perfectly healthy—let's help everyone understand their options! 💙
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