Life Insurance For Sick People

While the ultimate goal for any person is to purchase life insurance while they are still young and healthy, and rates are low, the young tend to believe that they are indestructible and push things like life insurance aside. If you become ill, purchasing life insurance can be difficult.

Common Life Insurance Policy Amounts For Sick Individuals:

$10,000 $15,000 $20,000
$25,000 $30,000 $40,000
$50,000 $75,000 $100,000
$250,000 $500,000 Other Amount

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It may seem like after getting certain types of illnesses and conditions, the insurance companies may not want to insure you. But, this is not always the case. With the advances in medicine, illnesses are better cured and managed than ever before. So people with serious health conditions, even pre existing conditions can still live for a long time.


Life insurance companies keep a list of leading causes of death close on hand. In the early 2000s, the leading causes of death included:

  • Accidents (Car, Plane, Boat, Falls, etc.)
  • Alzheimer's Disease
  • Blood Poisoning (Septicemia)
  • Cancer
  • Diabetes
  • Flu/Pneumonia
  • Heart Disease / Heart Attack
  • Hypertension (high blood pressure)
  • Kidney Disease
  • Liver Disease
  • Lower Respiratory Diseases
  • Parkinson's Disease
  • Stroke
  • Suicide
  • Drug Overdose

Other health conditions may also cause your premiums to be high, or even be denied coverage:

  • Obesity
  • Anxiety
  • Depression
  • High blood pressure
  • Sleep apnea

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A person with a family history of these diseases or ailments or who has been diagnosed as being a high-risk factor for any one of them are penalized when it comes to buying life insurance. Some of the more serious health conditions make you uninsurable.

If you already have one or more of the diseases or illnesses above, insurers often deny your application or add riders stating that if you die from the diseases or ailments in the next two years, they will not pay up.

Commonly Asked Questions About Getting Life Insurance With Health Issues

Can You Get Life Insurance If You Have Health Problems?

Obviously, it all depends on the health issue. If you have a condition that is treatable and easily kept under control, then, yes you can get life insurance coverage. An example of this, is diabetics.

If you have a condition that will reduce your life expectancy a lot -- i.e. terminal cancer -- , then, you'll most likely be denied coverage and be considered uninsurable.

Can I Get Life Insurance After Being Diagnosed With Cancer?

If your prognosis is good, then, there's a chance you can still get life insurance coverage. The life insurance company will also take into account the type of cancer you have, because some cancers are more treatable than others.

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There are still ways to find insurance if you are sick. One of the best places to start is on the Internet. There are dozens of sites that offer quotes from numerous insurance agencies.

You simply answer a few questions, give them your age, height and weight and then they search for rates from the insurers working with them. In minutes, you receive a number of quotes.

You can select one of these and purchase it right online or you can use the information, check out the company's Web site and see if they offer a lower rate. You can also call or email their competitors and see if they are willing to match.

Even if you are searching for the best rates for a sick parent (mom or dad), it's always better to compare premium prices online. This way you can insure your ill parents for the least amount.

Internet insurance comparison sites work on commissions, so they are going to push you towards one company over another. Always remember this when you are looking. Some companies might be willing to outbid their competition if you ask. Many times, they do not disclose this information hoping you'll pay more, but they are always willing to negotiate for your business.

Life insurance is a necessity in today's world. The average cost of a funeral today is well over $6,000. The National Funeral Director's Association states the average funeral costs $6,500 not including cemetery fees. Cremations are cheaper, but still cost $800 to $2,000 in the United States. If you die, does your family have that kind of money to spend?

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