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: May 19, 2021

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The Brief

  • Having a chronic illness does not automatically mean you will pay more for life insurance
  • Some chronic illnesses are classified as high-risk, while others are not
  • For individuals classified as high-risk, the most reasonable life insurance option is a guaranteed life insurance policy
  • Guaranteed life insurance policies are more expensive than traditional whole life insurance

It can be difficult to find life insurance for chronic illness, especially if that illness makes you high-risk.

Keep reading to learn more about what qualifies as a chronic condition and how to find the most affordable whole life insurance rates even if you have a chronic illness.

Do you want a jumpstart at finding a life insurance company for chronic illness? Enter your ZIP code above, and we will help you compare rates from multiple companies right away.

Can someone with chronic illness get life insurance?

In some cases, yes. The main thing that makes it hard to buy life insurance for people with chronic illness is their categorization with life insurance companies.

If a person has a chronic illness that life insurance companies consider high-risk, they may find it more difficult to purchase life insurance.

Some high-risk chronic illnesses that may make it difficult to purchase life insurance, or raise rates on life insurance, include:

  • Alzheimer’s
  • Severe heart conditions
  • Cystic fibrosis
  • Diabetes
  • Cancer
  • Kidney disease
  • Crohn’s disease

However, not all chronic illnesses are considered high risk.

Some like asthma, arthritis, and even generalized anxiety disorder that, while debilitating to an individual, are not going to necessarily make them high-risk to insurance companies.

While rates may be higher for these individuals, they are not as limited in the types of policies they will be approved for and will have an easier time finding a policy that suits their needs.

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What is a chronic illness?

According to the CDC, a chronic illness is any illness lasting for more than one year. Currently, in the U.S., six in 10 adults have at least one chronic illness.

Chronic illness comes in many forms and affects all age ranges, with reports showing that as many as 8% of all children in the U.S. being chronically ill.

What is the most affordable life insurance for chronic illness?

Life insurance rates for chronic illness will be higher, specifically if you have an illness that makes you high-risk.

Those who are high-risk will commonly only be approved for no-exam life insurance policies. These include guaranteed life insurance, some final expense insurance, and some burial insurance policies.

However, all of the policies listed above are designed specifically for seniors. This means that these policies will not approve anyone younger than the age of 50.

In addition, these policies are also usually very expensive. Here’s a look at some guaranteed life insurance rates from Gerber Life and Mutual of Omaha.

Gerber Life vs. Mutual of Omaha Average Monthly Guaranteed Life Insurance Rates by Policy
CoverageGerber Life Average Monthly RatesMutual of Omaha Average Monthly Rates
$5,000$21.50$25.99
$10,000$51.06$42.00
$15,000$76.13$62.50
$20,000$101.20$83.00
$25,000$126.27$103.50
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If you are a younger individual and looking for life insurance quotes for chronic illness, you may want to look into term life insurance policies.

Many term life insurance policies offer no-exam and have very affordable rates. However, many term life insurance policies will not approve those who suffer from severe illnesses.

The best way to know what life insurance company will accept your application is to get quotes and compare the coverage from multiple companies.

If you are ready to start looking for life insurance for people with chronic illness, enter your ZIP code below. We will help you find rates that match your budget.