Can I get life insurance with a pre-existing condition?

Many people with pre-existing conditions can still get life insurance, though they may pay higher premiums or face exclusions. Conditions like well-controlled diabetes, high blood pressure, or a history of cancer in remission are often insurable — you may be rated at a higher premium class but not denied. Severe conditions may limit you to guaranteed issue or final expense policies. Working with an independent broker who knows which carriers are most lenient for your specific condition is the best approach.