Having health concerns or a pre-existing condition doesn’t mean you can’t get life insurance. Many policies are designed for individuals with medical conditions, though coverage amounts may be limited, and premiums are often higher.
Option 1: Apply for traditional life insurance: Many people assume they won’t qualify for traditional life insurance and opt for non-medical policies out of fear of rejection. However, an underwriter may assess your health differently than you do, and you could qualify for better rates and more options. It’s wise to try traditional coverage first, as it often provides more benefits. If you don’t qualify, then a no-medical policy can serve as a backup option.
Option 2: Apply for no medical life insurance: In the event that you are declined traditional life insurance, or if you suspect that your pre-existing condition will disqualify you, no medical insurance is a great option available to you.
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