Can you get Life Insurance With Pre-Existing Conditions?

You may think that if you have a pre-existing condition, life insurance is out of the question for you. That’s not necessarily the case.

While you may not be approved for all types of policies, you could still qualify for some life insurance protection, since certain pre-existing conditions don’t automatically disqualify adults from getting life insurance. You simply might end up paying a higher monthly premium than someone who’s in better health. Or, you may be approved for less coverage.

A kind of whole life insurance that can’t turn you down due to health

Guaranteed-issue life insurance is an option for those ages 50+.¹

With Gerber Life’s Guaranteed Life Plan you can’t be turned down for health reasons and no medical exam is required. We offer a Guaranteed Life Plan policy with coverage amounts from $5,000 to $25,000². It’s whole life insurance, so you’ll have lifelong protection as long as premiums are paid, and the policy will build cash value.

Bypassing a medical exam and health questions also makes applying for our Guaranteed Life Plan really fast and easy – it can take only a few minutes of your time. When you consider how important it is to provide financial security for your family, a few minutes of your time can be a small price to pay.

We invite you to compare our Guaranteed Life Plan with other options to determine which is best for you and your family. Check out our adult life insurance policies or call us at 1-800-704-2180 with any life insurance questions.

¹ To be eligible for coverage you must be a U.S. citizen between 50 and 80 years old (New York residents, maximum age of 75) residing in the US or permanent legal resident. Total limit of all combined Gerber Life Guaranteed Life policies is $25,000. Gerber Life Insurance Company will not issue insurance for any proposed insured when a POA or Guardianship exists on the proposed insured, except legal guardians of children. 
² South Dakota residents, maximum coverage of $15,000.