Of course, you can get life insurance with pre-existing conditions! The real question is: what kind of life insurance and how much will it cost?

It’s kind of like showing up at a party with a weird dance move—some people might hesitate to let you in, but there’s always someone who’ll appreciate your unique flair.

In the life insurance world, pre-existing conditions might make insurers dig a little deeper into your health history, but they’re not necessarily a dealbreaker.

You’ll find three main party types in the insurance world:

These policies are like VIP parties; They have bouncers (aka medical exams) and a guest list (aka detailed health questions). If your pre-existing condition is well-managed, you might still get in, but expect a higher ticket price (premium).

These policies are like smaller gatherings—fewer questions, no medical exams, and less judgment about your dance moves. They’ll still ask a few health questions, so honesty is key.

Think of this as the “everyone’s invited” party. No health questions, no exams, and no exclusions for pre-existing conditions. The catch? It’s usually more expensive, and there’s a waiting period before full benefits kick in.

So, yes, you can absolutely get life insurance with pre-existing conditions! You just need to find the right policy that matches your situation. And remember, life insurance advisors like me are here to help you navigate this dance floor with grace—and maybe a touch of flair!