1. Peggy MacePRO
    COO and Senior Agent, Outlook Life, All 50 States
    Can you get life insurance if you are ill? That is a very good question. We tend to think of those who have serious diseases as most unlikely to get life insurance. But in reality, those who are undergoing testing for an (as yet) undiagnosed illness, those who are in the beginning stages of treatment for a newly diagnosed illness, or those who are awaiting surgery or treatment, are likely to be postponed until their illness is diagnosed or showing stable control. Once the health condition has been under control for a while, they will have a much easier time finding a life insurance policy that will cover them.

    The length of time that stability must be shown depends on the illness. For blood pressure or diabetes, 3 to 6 months of control is sufficient with some companies. For MS, most companies like to see at least a year of stability, although coverage can be obtained shortly after diagnosis. Cancer is usually postponed until a year of remission or more. 

    Many people first consider applying for life insurance when they become ill. Contact a good impaired risk agency with lots of choices to find something you can get now and/or for the future.
    Answered on August 23, 2013
  2. Jeff DavisPRO
    Financial Advisor, Lordship Investments, California
    It is very hard to get a good rate when your health is bad. But it is possible to get Insurance even if you have certain illnesses. There are companies that offer guaranteed issue policies that don't ask a lot of health questions.

    The severity of your illness will greatly affect your ability to be insured. If you have been diagnosed with a life threatening illness or if you are currently hospitalized it may be nearly impossible to get insurance.
    Answered on August 23, 2013
  3. Brandon RobertsPRO
    Owner, The Insurance Pro Blog,
    This depends on just how ill you are.  There are a handful of carriers who specialized in offering life insurance for people who are in less than perfect health.  Premiums not surprisingly more expensive than the premiums paid by individuals who are very healthy. 

    Many people are surprised to find out that their health condition will allow them to purchase life insurance so it's important to not automatically assume that you cannot get life insurance just because you are ill.
    Answered on August 23, 2013
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