Life Insurance with Pre-Existing Conditions: Get the Coverage You Deserve, Even with Health Challenges
Finding life insurance with a medical condition can feel overwhelming—but the right carrier makes all the difference. Learn how specialized high-risk life insurance options are designed to offer fair, customized coverage based on your unique health history.
(Listed alphabetically)
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Alcohol
Many people with a history of alcohol use or recovery can still qualify for life insurance—even if they’ve been declined before. We work with carriers that understand your situation and offer options tailored to your health history.
Click below to securely submit your information—we’ll review it and match you with the best possible coverage.
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Arthritis
Having arthritis doesn’t mean you can’t get life insurance. Whether you have mild, moderate, or severe symptoms, we work with carriers that offer competitive options based on your specific diagnosis and treatment.
Click below to securely submit your information—we’ll help you find the best life insurance solution for your situation.
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Asthma
Many individuals with asthma—whether mild or severe—can still qualify for affordable life insurance. We work with top-rated carriers that understand how to underwrite asthma based on control, medication, and frequency.
Click below to securely submit your information, and we’ll help match you with the best coverage options available.
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Aviation
If you’re a private or commercial pilot, life insurance is still within reach. We work with carriers that specialize in aviation risk and offer customized coverage based on your flight hours, certifications, and type of flying.
Click below to securely submit your information, and we’ll help you find the most pilot-friendly life insurance options available.
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Cancer Bladder
A history of bladder cancer doesn’t automatically disqualify you from life insurance. We work with experienced carriers who evaluate your stage, treatment history, and time since recovery to find the best possible options.
Click below to securely submit your information, and we’ll help you explore coverage that fits your unique situation.
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Cancer Breast
Many individuals with a history of breast cancer can still qualify for life insurance—especially with early detection, successful treatment, and time since remission. We work with carriers who understand how to underwrite your unique health journey.
Click below to securely submit your information, and we’ll help you find life insurance options tailored to your situation.
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Cancer Colorectal
A history of colorectal cancer doesn’t mean you can’t get life insurance. Carriers consider factors like stage, treatment success, and time since remission—and we work with those who specialize in high-risk cases.
Click below to securely submit your information, and we’ll help you find the most favorable life insurance options for your situation.
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Cancer General
Having a history of cancer doesn’t automatically disqualify you from life insurance. Many carriers offer coverage based on the type, stage, treatment results, and time since recovery—and we know which ones are most favorable.
Click below to securely submit your information, and we’ll help you find the best life insurance options for your unique history.
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Cancer Hodking’s and Lymphoma
Survivors of Hodgkin’s and Non-Hodgkin’s Lymphoma may still qualify for life insurance, especially with successful treatment and time since remission. We work with carriers who specialize in underwriting lymphoma cases with care and flexibility.
Click below to securely submit your information, and we’ll help you explore the best coverage options available.
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Cancer Leukemia
A history of leukemia can make life insurance more complex, but coverage is still possible—especially with time in remission and a strong recovery record. We work with carriers who understand how to underwrite leukemia cases on a case-by-case basis.
Click below to securely submit your information, and we’ll help you find the best life insurance options available.
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Cancer Ovarian
A history of ovarian cancer doesn’t mean life insurance is out of reach. Many carriers consider factors like stage at diagnosis, treatment success, and years since remission—and we work with those most favorable to your situation.
Click below to securely submit your information, and we’ll help you explore the best life insurance options available.
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Cancer Prostate
Prostate cancer is one of the most commonly underwritten conditions—and many men qualify for affordable life insurance after successful treatment or while under monitoring. We work with carriers who offer favorable options based on your specific diagnosis and recovery timeline.
Click below to securely submit your information, and we’ll help you find the best coverage available.
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Cancer Skin
Whether you’ve had basal cell, squamous cell, or melanoma, many individuals with a history of skin cancer can still qualify for life insurance. We work with carriers that assess your diagnosis, treatment, and follow-up care to offer the best possible options.
Click below to securely submit your information, and we’ll help you find coverage that fits your unique health history.
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Cancer Testicular
Life insurance is often available after testicular cancer—especially with early detection, successful treatment, and time in remission. We work with carriers that understand how to underwrite your unique health history and offer favorable options.
Click below to securely submit your information, and we’ll help you find the best life insurance coverage for your situation.
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Cancer Cervical
Many individuals with a history of cervical cancer can still qualify for life insurance—especially with early detection, successful treatment, and time since remission. Carriers assess your health history carefully, and we work with those most favorable to your situation.
Click below to securely submit your information, and we’ll help you explore the best life insurance options available.
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Colitis-Crohns
Living with colitis or Crohn’s doesn’t automatically disqualify you from life insurance. Many carriers consider your diagnosis, flare-up history, medications, and overall control of the condition when offering coverage.
Click below to securely submit your information, and we’ll help you find the most favorable life insurance options available.
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Depression/PTSD
A history of depression or PTSD doesn’t mean you can’t qualify for life insurance. Many carriers offer coverage based on the severity, treatment plan, and overall stability of your condition.
Click below to securely submit your information, and we’ll help you explore the best life insurance options for your situation.
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Drug Abuse
A past history of drug abuse doesn’t automatically disqualify you from life insurance. Many carriers are willing to offer coverage based on how long you’ve been clean, your treatment history, and current stability.
Click below to securely submit your information, and we’ll help you find the best life insurance options for your recovery journey.
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Diabetes
Whether you have Type 1 or Type 2 diabetes, life insurance is still within reach. Many carriers offer competitive options based on your age, A1C levels, treatment plan, and overall health history.
Click below to securely submit your information, and we’ll help you find the most favorable life insurance options for your situation.
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Epilepsy & Seizures
Having epilepsy or a history of seizures doesn’t mean you can’t get life insurance. Carriers consider factors like seizure frequency, type, treatment, and overall control—many offer favorable options when the condition is stable.
Click below to securely submit your information, and we’ll help you explore the best coverage for your situation.
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Foreign Travel & Residency
Frequent travel or foreign residency can impact life insurance, but coverage is still possible. Carriers evaluate destination risk, trip frequency, and duration abroad—and we know which companies are most favorable to global lifestyles.
Click below to securely submit your information, and we’ll help you find the best life insurance options for your travel or residency plans.
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General Medical
Even with a complex medical history, life insurance is often still an option. We work with carriers that specialize in high-risk cases and take a personalized approach to your health profile.
Click below to securely submit your information, and we’ll help you explore the best life insurance solutions for your unique needs.
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Heart Attack
A history of heart attack doesn’t mean life insurance is out of reach. Many carriers consider your treatment, recovery, lifestyle changes, and time since the event—and we work with those most favorable to cardiac histories.
Click below to securely submit your information, and we’ll help you find the best life insurance options for your situation.
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Heart Bundle Branch Block
Whether you’ve been diagnosed with left or right bundle branch block, life insurance is still possible. Carriers assess your heart health, symptoms, test results, and whether it’s isolated or linked to other conditions.
Click below to securely submit your information, and we’ll help you find the most favorable life insurance options available.
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Heart Cardiomyopathy
A diagnosis of cardiomyopathy can make life insurance more complex, but coverage is still possible. Carriers evaluate your type, treatment, ejection fraction, and overall stability to determine eligibility.
Click below to securely submit your information, and we’ll help you find the best life insurance options for your condition.
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Heart Disease General
Having heart disease doesn’t automatically disqualify you from life insurance. Many carriers assess your diagnosis, treatment, medications, and stability—and we specialize in finding options tailored to your heart health.
Click below to securely submit your information, and we’ll help you explore the best life insurance solutions available.
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Heart Atrial Fibrillation
Atrial fibrillation is one of the most commonly underwritten heart conditions—and many individuals can still qualify for life insurance. Carriers evaluate factors like episode frequency, medications, and overall heart health.
Click below to securely submit your information, and we’ll help you find the best life insurance options for your situation.
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Hepatitis A, B, C
A history of Hepatitis A, B, or C doesn’t automatically prevent you from getting life insurance. Carriers consider the type, treatment success, liver function, and time since diagnosis—and we know which ones are most favorable.
Click below to securely submit your information, and we’ll help you explore the best life insurance options available.
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HIV/AIDS
Thanks to medical advancements, many individuals living with HIV can now qualify for life insurance. Carriers consider viral load, treatment compliance, CD4 count, and overall health.
Click below to securely submit your information, and we’ll help you find the most favorable life insurance options available.
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Kidney Disease
Whether you have early-stage kidney disease or a history of more advanced issues, life insurance may still be available. Carriers assess your diagnosis, treatment, lab results, and overall health stability.
Click below to securely submit your information, and we’ll help you find the best life insurance options for your situation.
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Liver Enzymes
Elevated liver enzymes don’t automatically disqualify you from life insurance. Carriers look at the underlying cause, test results, and overall health history to determine eligibility.
Click below to securely submit your information, and we’ll help you find the most favorable life insurance options available.
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Lupus
A lupus diagnosis doesn’t mean life insurance is out of reach. Many carriers offer coverage based on the type, severity, treatment, and how well the condition is managed.
Click below to securely submit your information, and we’ll help you find life insurance options that fit your health profile.
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Multiple Sclerosis
Living with Multiple Sclerosis doesn’t mean you can’t get life insurance. Many carriers offer coverage based on your diagnosis type, symptoms, treatment plan, and how well the condition is managed.
Click below to securely submit your information, and we’ll help you explore the best life insurance options for your situation.
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Parkinson’s Disease
A diagnosis of Parkinson’s can make life insurance more complex, but options may still be available. Carriers evaluate the stage, symptom progression, treatment plan, and overall stability.
Click below to securely submit your information, and we’ll help you find the most favorable life insurance solutions for your condition.
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Pulmonary & COPD
If you have COPD or another chronic pulmonary condition, life insurance is still possible. Carriers assess severity, oxygen use, medications, and hospitalization history to determine eligibility.
Click below to securely submit your information, and we’ll help you find the best life insurance options for your situation.
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Sarcoidosis
Life insurance is often available for individuals with sarcoidosis, especially when the condition is stable and well-managed. Carriers consider the organs affected, treatment plan, and overall health profile.
Click below to securely submit your information, and we’ll help you explore the best coverage options for your situation.
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Sleep Apnea
Sleep apnea is one of the most commonly underwritten conditions—and many individuals still qualify for affordable life insurance. Carriers consider diagnosis type, CPAP usage, and overall treatment compliance.
Click below to securely submit your information, and we’ll help you find the best life insurance options available.
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Stroke
A history of stroke doesn’t automatically disqualify you from life insurance. Carriers evaluate factors like the type of stroke, time since the event, recovery progress, and any related conditions.
Click below to securely submit your information, and we’ll help you find the most favorable life insurance options for your situation.
Have You Been Declined or Postponed for Life Insurance?
We are Licensed with over 75 of the top A+ and A-rated insurers, and are dedicated to finding you the most competitive offer. To begin, please select your specific condition from the list above and press on the icon to complete the form. If you do not see your condition, select “General Medical” or feel free to contact us directly.
Securing an affordable life insurance policy can be challenging if you or a loved one has a higher-risk health condition. Insurance companies evaluate medical conditions differently, and requirements can vary significantly. With our in-depth knowledge of each insurer’s criteria, we help identify the options that best fit your unique needs.
Why a High-Risk Life Insurance Specialist Makes a Difference
Most standard insurance agents simply don’t have the experience or carrier relationships needed to help individuals with complex medical histories. But at Diversified Insurance Brokers, Inc., this is our specialty. We’ve spent decades helping people with pre-existing conditions secure the coverage they need—when others said it wasn’t possible.
Since 1980, we’ve helped thousands of high-risk clients find customized policies that fit their health profile and financial goals. We know which carriers are more open to specific medical conditions and how to present your case for the most favorable outcome.
With over 100 years of combined experience, our team understands that no two situations are the same. Whether you’re managing a chronic illness, recovering from a serious diagnosis, or facing a high-risk classification due to lifestyle or occupation—we work relentlessly to match you with the best possible coverage. In fact, we find life insurance solutions for nearly 100% of the cases we take on, regardless of age or health status.
What to Expect When Applying for High-Risk Life Insurance
It’s true—individuals with certain health conditions may face higher premiums than standard applicants. But that doesn’t mean affordable coverage is out of reach. At Diversified Insurance Brokers, we specialize in helping high-risk clients find the best value available—without compromising protection.
We shop the market across more than 75 top-rated insurers, each with their own underwriting approach. By matching your health profile to the right carrier, we help you secure competitive, realistic premiums tailored to your unique situation.
Our goal is simple: get you covered with a plan that fits your budget and provides peace of mind.
Why Choose Diversified Insurance Brokers for High-Risk Life Insurance?
Expert Guidance Where It Matters Most
We know which insurers are more favorable toward specific health conditions—giving you direct access to options that many standard agents simply don’t offer.
Truly Personalized Service
We treat every case like it’s the only one. Our team takes the time to understand your health profile, goals, and budget—then finds the carrier and policy that fits you best.
Fast, Informative Quotes
You’ll never be left guessing. We provide tentative quotes quickly, so you know what’s realistic before you apply—saving you time and frustration.
One quick phone call to our office is all it takes to get started. Our team of high-risk life insurance specialists is here to help you secure affordable, reliable coverage tailored to your unique needs.
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