Can I get permanent life insurance if I have health conditions?

Many Nevadans with chronic health conditions—including well-managed diabetes, hypertension, or a history of cancer—can still obtain permanent life insurance, though the process requires working with carriers that specialize in impaired-risk underwriting.

Each carrier evaluates health conditions differently. A condition that results in a denial at one carrier may receive a table rating at another, or even a standard offer at a third with favorable treatment of that specific condition. This variability makes it essential to work with an agent who understands which carriers are most lenient toward specific conditions.

For conditions that make traditional permanent insurance difficult, alternatives include guaranteed issue whole life (no health questions, graded benefit period), final expense insurance, or simplified issue products. These require no medical exam and provide coverage regardless of health, though coverage amounts are smaller and premiums are higher per dollar of coverage.

Sharing your complete health history with your agent before applying avoids surprises at underwriting and allows your agent to pre-screen carriers most likely to offer competitive terms. Agents in our network work with A-rated (A.M. Best) carriers across a spectrum of risk tolerances.