This article may contain references to products or services from one or more of our advertisers or partners. We may receive compensation when you click on links to those products or services. Nonetheless, our opinions are our own.
The information presented in this article is accurate to the best of our knowledge at the time of publication. However, information is subject to change, and no guarantees are made about the continued accuracy or completeness of this content after its publication date.
Introduction
Finding life insurance with a pre-existing condition can be difficult, but in 2025, more insurers are offering flexible options. Whether you’re managing diabetes, high blood pressure, or heart disease, there are policies tailored to your needs. This guide outlines the top life insurance providers that are more inclusive of chronic illnesses and medical histories. You’ll learn about medical exam requirements, policy types, and standout features of each company. With the right provider, you can get covered without unnecessary obstacles. Use this overview to compare your best options.
Comparison of Top Providers
| Insurance Company | Strengths | Medical Exam Required | Policy Types | Notable Features |
|---|---|---|---|---|
| New York Life | Highly customizable plans for health conditions | Varies by policy | Term, Whole, Universal | Cash value growth, long-standing reputation |
| Mutual of Omaha | High acceptance rates, no-exam options | Not always | Term, Whole | Critical illness riders, flexible underwriting |
| Prudential Financial | Broad health consideration, robust policy variety | Often required | Term, Whole, Universal | Lifestyle-based underwriting, flexible coverage limits |
| Transamerica | Accessible for chronic illness, strong rider options | Varies | Term, Whole | Customizable plans, illness-focused riders |
| Banner Life | Competitive rates, fast online approvals | Sometimes waived | Term | Favorable premiums, easy online application |
| Savings Bank Life Insurance | Transparent underwriting, fast processing | Usually no | Term, Whole | Straightforward terms, reputation for fairness |
| American International Group | Strong for lifestyle-based approvals | Optional for some | Term, Whole, Guaranteed Issue | Accelerated death benefits, no-exam options |
| North American Company | Good for moderate health issues with budget focus | Depends on policy | Term, Whole, Universal | Excellent customer support, affordability |
| Principal Financial Group | Great for specialized needs and competitive pricing | Varies | Term, Universal | Risk-based evaluation, flexible payment terms |
| Gerber Life Insurance | Ideal for simplified whole life plans | Rarely | Whole (Simplified) | Guaranteed acceptance available, family-friendly policies |
| Fidelity Life Association | Fast processing, good for complex histories | Often waived | Term, Whole | Streamlined applications, high responsiveness |
| Lincoln Financial Group | Personalized underwriting with benefit add-ons | Optional | Term, Universal | No-lapse guarantees, custom riders, lifestyle-focused plans |
Voted "Best Overall Budgeting App" by Forbes and WSJ
Monarch Money helps you budget, track spending, set goals, and plan your financial future—all in one app.
Get 50% OFF your first year with code MONARCHVIP
Best Life Insurance Providers for Pre-Existing Conditions in 2025
New York Life Insurance
- Custom policy design
- Cash value growth and dividends (Whole Life)
- Term, Whole, and Universal life insurance available
- Policy adjustments as health needs change
Mutual of Omaha
- No-exam life insurance available
- Critical illness riders
- Flexible term options
- Accelerated death benefits
Prudential Financial
- Diverse term and whole life options
- Favorable health risk consideration
- Substantial coverage available
- Lifestyle-based evaluation
Transamerica
- Chronic illness add-ons
- Options for low-income or high-risk applicants
- Strong reputation in final expense coverage
- Low premiums
- Simplified online applications
- Flexible coverage amounts
- Favorable term life rates
Savings Bank Life Insurance (SBLI)
- Simplified term and whole life policies
- Quick underwriting process
- Straightforward application language
American International Group (AIG)
- Guaranteed acceptance for the whole life
- No medical exam for select products
- Accelerated death benefits
- Lifestyle-based premium calculation
North American Company
- Whole, term, and universal options
- Solid customer support during application
- Balanced affordability and coverage
Principal Financial Group
- Risk-based premiums
- Support for pre-existing and chronic conditions
- Flexible payment frequency
- Specialized riders available
Gerber Life Insurance
- No medical exam required
- Guaranteed acceptance available
- Family-focused whole life coverage
Fidelity Life Association
- Quick feedback on applications
- Simplified enrollment
- Term and whole life options
Lincoln Financial Group
- Custom risk-based underwriting
- Multiple rider options
- Flexible premium payment schedules
- Policy stability features (no-lapse)
What to Keep in Mind About Life Insurance With Pre-Existing Conditions
Having a pre-existing condition should not prevent anyone from getting life insurance in 2025. Many providers have updated their risk models and underwriting to be more inclusive and flexible. You can find both no-exam and guaranteed policies if you need quick, low-hurdle coverage. Look for features like chronic illness riders, personalized underwriting, or flexible terms. Insurance options from companies like AIG, New York Life, and Mutual of Omaha make planning for the future more accessible even with health concerns. Always compare quotes and speak with a representative if unsure about eligibility.
Frequently Asked Questions
Can I get life insurance with a pre-existing condition?
Yes, many life insurance providers offer policies for individuals with pre-existing conditions. These include simplified issue and guaranteed acceptance plans, which reduce or eliminate medical requirements. Providers assess risk based on your health history but also consider lifestyle improvements and management of chronic conditions. Policies may be slightly more expensive, but coverage is still available.
Which type of life insurance is best for someone with health issues?
Guaranteed issue and simplified issue policies are often best for individuals with significant or ongoing health concerns. These policies usually avoid traditional underwriting processes, such as medical exams or lengthy questionnaires. Whole life options offer permanent coverage and fixed premiums. Term policies can also be accessible if the condition is well-managed.
Do I have to take a medical exam?
Not always. Many insurers like AIG, SBLI, and Mutual of Omaha offer no-exam life insurance plans. These policies rely on your disclosed health history, prescription records, or other data instead of physical exams. No-exam policies are ideal if you want quick coverage or want to avoid invasive procedures. They may have lower limits or higher premiums depending on your risk profile.
Premiums may be higher if you have a condition that significantly affects life expectancy or long-term health. However, some insurers specialize in high-risk applicants and may offer competitive rates. Lifestyle improvements such as quitting smoking, weight loss, or disease management can improve your underwriting class. Always get multiple quotes to find the best value.
Can I add riders for critical or chronic illnesses?
Yes, many life insurance companies offer riders that cover chronic or critical illnesses. These riders may provide early access to the death benefit or supplemental funds during a serious diagnosis. Common riders include accelerated death benefit, terminal illness, and chronic care provisions. Adding riders increases your premium but boosts your overall protection.
What if I get denied coverage?
If denied, consider applying for a guaranteed issue policy, which accepts most applicants regardless of health. These policies may have limited payouts for the first few years but still offer important protection. You can also work with a broker who specializes in high-risk clients. They can help match you with insurers more likely to approve your application.
Reviewed and edited by Albert Fang.
See a typo or want to suggest an edit/revision to the content? Use the contact us form to provide feedback.
At FangWallet, we value editorial integrity and open collaboration in curating quality content for readers to enjoy. Much appreciated for the assist.
Did you like our article and find it insightful? We encourage sharing the article link with family and friends to benefit as well - better yet, sharing on social media. Thank you for the support! 🍉
Article Title: Best Life Insurance for Pre-Existing Conditions in 2025
https://fangwallet.com/2025/10/20/best-life-insurance-for-pre-existing-conditions-in-2025/The FangWallet Promise
FangWallet is an editorially independent resource - founded on breaking down challenging financial concepts for anyone to understand since 2014. While we adhere to editorial integrity, note that this post may contain references to products from our partners.
The FangWallet promise is always to have your best interest in mind and be transparent and honest about the financial picture.
Become an Insider
Subscribe to get a free daily budget planner printable to help get your money on track!
Make passive money the right way. No spam.
Editorial Disclaimer: The editorial content on this page is not provided by any of the companies mentioned. The opinions expressed here are the author's alone.
The content of this website is for informational purposes only and does not represent investment advice, or an offer or solicitation to buy or sell any security, investment, or product. Investors are encouraged to do their own due diligence, and, if necessary, consult professional advising before making any investment decisions. Investing involves a high degree of risk, and financial losses may occur including the potential loss of principal.
Source Citation References:
+ Inspo
There are no additional citations or references to note for this article at this time.
