Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 29, 2021

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The Brief

  • Pre-existing conditions affect about half of the United States population
  • Life insurance companies are not legally prevented from denying coverage for pre-existing conditions
  • Affordable life insurance from companies that accept pre-existing conditions is possible with efforts to improve your health

Do you have a condition that may prevent you from getting coverage? Life insurance for pre-existing conditions is available. Still, getting coverage from life insurance companies for pre-existing conditions can be difficult.

Keep reading to compare life insurance companies that accept pre-existing conditions and analyze their life insurance rates and company ratings.

Type your ZIP code into our free and helpful tool above. With it, you may find rates from companies that accept pre-existing conditions in your area.

What companies accept people with pre-existing conditions?

According to the Centers for Medicare & Medicaid Services, pre-existing conditions affect about half of the U.S. population. Among these conditions are obesity, high cholesterol, anxiety, heart disease, and HIV.

Are there life insurance companies that don’t accept pre-existing conditions? It all depends on the individual’s situation. Insurance companies analyze one thing overall — risk. Coverage depends on the extent of the condition in the potential insured.

To find the best life insurance companies that accept pre-existing conditions, start with company ratings from, A.M. Best and J.D. Power, two organizations that gauge a company’s financial strength and customer service.

Let’s look at a table that shows how these two organizations rated the top 10 life insurance companies in the United States:

Financial Ratings of the Top 10 Life Insurance Companies
RankingCompany/GroupA.M. BestJ.D. PowerNAIC Complaint Index 2018 S&PMoody's
1stNorthwestern Mutual Life A++ (Superior)8100.00AA+Aaa
2ndMetropolitan Group A (Excellent)7440.06A+A3
3rdNew York Life A++ (Superior)7700.00AA+Aaa
4thPrudential Financial A+ (Superior)7540.00AA-A3
5thLincoln National A+ (Superior)7500.00AA-N/A
6thMassMutual A++ (Superior)7510.00AA+Withdrawn
7thAegon A (Excellent)7320.00A+A3
8thJohn Hancock N/A7390.00AA-A2
9thState Farm A++ (Superior)8080.00AAAa1
10thMinnesota Mutual Group A++ (Superior)N/A0.00AA-Aa3
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As you can see, several companies received A.M. Best’s highest rating: “A++.” These companies include Northwestern Mutual Life, New York Life, MassMutual, Minnesota Mutual Group, and State Farm.

In short, you have options out there for getting coverage. Just be honest about your medical record when you are shopping for life insurance quotes.

Things can be done to increase your chance of acceptance. Get a treatment plan from a doctor and follow it to the letter. The insurer will see that you are making efforts to preserve your health.

Also, determine the type of life insurance coverage you need. Understanding the difference between term vs. whole life insurance. Let’s take a look at a table that will give you an overview of these forms of coverage:

Types of Life Insurance Coverage
Term Life Insurance FeaturesUniversal Life Insurance FeaturesFinal Expense Insurance Features
Insurance that provides coverage for a set period of time. Usually 10, 20 or 30 years.Also known as whole life or permanent insurance, this is for older established family members looking to secure the benefits of their estate for their loved ones.Final expense insurance covers expenses that arise the time of death. Final expense insurance is usually intended to cover burial expense and other expenses that arise when a loved one passes.
Coverage is ideal for individuals who need to protect their loved ones and cover any debt obligations like student loans, mortgate debt or other commitments.This insurance typically has a cash value component that can help build wealth.This is an affordable insurance option to alleviate the burden of funeral costs on loved ones.
Insurance for insurance purposes only. Term insurance will not provide an investment return.This insurance does not expire as long as you meet premium obligations.
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Term life insurance rates will be cheaper than whole life policies, but whole life insurance provides more investment opportunities.

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How much are life insurance rates from companies that accept pre-existing conditions?

When you are comparing insurers, be sure to disclose everything about your health.

Being dishonest with an insurance company will almost certainly result in a policy cancellation. Worse, it could result in you being prosecuted for insurance fraud. But will the insurer accept you?

Again, it all depends on the extent of the pre-existing condition. No law is in place that prevents life insurance companies from denying coverage for a pre-existing condition.

Assuming your pre-existing condition isn’t debilitating and you’re following the aforementioned health steps, what can you expect to pay?

Let’s look at annual term life insurance rates for a 30-year-old female non-smoker. This demographic tends to be on the cheaper end in terms of life insurance rates.

Average Annual Term Life Insurance Rates for a 30-Year-Old Female Non-Smoker
Term Life Insurance Coverage AmountAverage Annual 10-Year Term RatesAverage Annual 20-Year Term RatesAverage Annual 30-Year Term Rates
$100,000$9.86$11.68$15.34
$250,000$11.32$14.88$21.52
$500,000$14.63$20.89$31.42
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Monthly rates can be under $10 for this demographic. The most expensive example was not far over $30.

Now, let’s compare these rates to the rates offered to men of the same age. The men are also non-smokers.

Average Monthly Term Life Insurance Rates for a 30-Year-Old, Non-Smoker Male
Coverage Amount10-Year Term Length Average Monthly Rates20-Year Term Length Average Monthly Rates30-Year Term Length Average Monthly Rates
$100,000$10.85$12.53$16.36
$250,000$13.45$17.45$24.41
$500,000$18.56$26.22$37.93
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These rates are slightly higher because life insurance companies consider men a higher risk to insure. 

Next, we’re going to compare these rates to the term life rates paid by individuals for life insurance with Atrial Fibrillation (AFib).

Average Monthly Term Life Insurance Rates for AFib Patients by Rate Class, Age, Gender, and Policy Amount
Rate ClassificationAgeMale
$100,000/
20-Year
Female
$100,000/
20-Year
Male
$250,000/
20-Year
Female
$250,00/
20-Year
Male
$500,00/
20-Year
Female
$500,000/
20-Year
Standard40$18.23$16.10$32.59$28.87$59.94$51.93
Substandard – 50% over Standard40$23.49$20.34$41.67$34.41$75.60$62.63
Substandard – 100% over Standard40$29.57$25.37$53.81$44.03$98.96$81.66
Substandard – 150% over Standard40$35.58$27.08$64.38$53.86$120.49$94.02
Standard50$37.36$29.05$77.31$58.36$143.59$110.95
Substandard – 50% over Standard50$49.22$38.98$98.11$73.17$187.19$137.23
Substandard – 100% over Standard50$63.87$50.22$129.06$94.63$247.74$181.13
Substandard – 150% over Standard50 $78.93$60.45$152.46$115.80$293.77$221.02
Standard60$91.85$65.62$204.70$143.50$392.71$273.89
Substandard – 50% over Standard60$126.00$86.10$251.41$175.83$492.75$337.70
Substandard – 100% over Standard60$166.25$113.05$333.37$232.60$655.15$448.42
Substandard – 175% over Standard60$196.66$136.73$403.21$285.59$795.27$550.68
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You may be charged a substandard rate when you buy life insurance from a company that accepts pre-existing conditions.

That’s why it’s important to comparison shop before you buy life insurance. Compare quotes from at least three different companies to guarantee you’re paying the right price for coverage. 

Type your ZIP code into our free and helpful tool below. With it, you’ll find quotes from life insurance companies that accept pre-existing conditions in your area.

Frequently Asked Questions: Life Insurance Companies That Accept Pre-Existing Conditions

Scroll down for answers to frequently asked questions about life insurance for pre-existing conditions:

#1 – Can I buy life insurance for someone with poor health?

Yes, if you have a personal relation to them and their condition is not too severe.

#2 – Can I buy life insurance with pre-existing cancer?

With cancer, guaranteed issue life insurance is the only option.

#3 – Is there term insurance for pre-existing medical conditions?

You can get specialty pre-existing conditions coverage from companies such as Ethos. However, it will usually just be a term policy with substandard rates.