Can I Get Life Insurance With Health Conditions?
Often, yes
Having a health condition doesn't automatically disqualify you from coverage. In most cases it affects which rate class or type of product you qualify for, rather than ruling out coverage altogether.
Options worth knowing about
Conditions like diabetes, heart conditions, or a history of cancer may still qualify for a standard fully underwritten policy with certain carriers, a simplified-issue policy that asks health questions but skips the exam, or a guaranteed-issue policy that doesn't ask health questions at all.
Why shopping multiple carriers matters
Underwriting guidelines for the same health condition can vary quite a bit from one carrier to the next. Working with an independent broker means your specific health history gets compared across several companies' underwriting rules, instead of being evaluated against just one.
This article is for general education and isn't personalized financial or insurance advice. Speak with a licensed Pursuit Life Group broker about what makes sense for your situation.