NPN: 1141954 | TX License: 738897 | 40+ years experience | 35+ A/A+ rated carriers | Multi-state licensed
Content reviewed: March 2026 — Questions? Call 830-201-3153
Life Insurance with Pre-Existing Conditions
Specialized life insurance options designed to protect your family, even with health challenges.
Get affordable coverage despite health issues. Compare specialized policies from top-rated providers and secure your family's future today.
Don't let health conditions stop you from protecting your loved ones - we specialize in finding coverage for all situations.
Coverage Benefits
We specialize in finding life insurance solutions for individuals with pre-existing conditions, ensuring you get the coverage you need at rates you can afford.
Guaranteed Coverage
No medical exam required for many policies. Get the protection you need regardless of your health condition.
Multiple policy options available with simplified underwriting.
Affordable Rates
Competitive premiums tailored to your specific health condition and coverage needs.
We work with multiple carriers to find the best rates for your situation.
Quick Approval
Fast application process with many policies offering same-day coverage approval.
Most applications processed within 24-48 hours.
Pre-existing Conditions
Specialized coverage options for various health conditions and medical histories.
Coverage available for diabetes, heart conditions, and more.
Immediate Protection
Many policies begin coverage as soon as your application is approved and payment is received.
No waiting period for accidental death benefits.
Flexible Payment Options
Choose from monthly, quarterly, or annual payment plans to fit your budget.
Multiple payment methods accepted for your convenience.
Get Your Health Issues Life Insurance Quote
We work with top-rated insurance companies that specialize in providing coverage for individuals with pre-existing conditions.
Guaranteed Acceptance Options
No medical exam required for many policies
Coverage for Pre-existing Conditions
Specialized policies for various health conditions
Competitive Rates
Compare multiple providers to find the best rates
Common Health Conditions We Cover
Don't let your health condition stop you from protecting your family. We specialize in finding coverage for various medical conditions.
Heart Conditions
Coverage options for various heart-related conditions including high blood pressure, previous heart attacks, and arrhythmia. We work with carriers specializing in cardiovascular coverage.
Learn more about coverage optionsDiabetes
Specialized policies for Type 1 and Type 2 diabetes with competitive rates. Our carriers understand diabetic health management and offer fair premiums based on your control levels.
Learn more about coverage optionsRespiratory Issues
Coverage for asthma, COPD, and other breathing-related conditions. We help find policies that take into account your specific respiratory condition and treatment history.
Learn more about coverage optionsCancer Survivors
Life insurance options for cancer survivors and those in remission. Many carriers offer coverage after specific waiting periods, with rates based on type, stage, and time since treatment.
Learn more about coverage optionsMental Health
Coverage options for individuals with anxiety, depression, and other mental health conditions. We understand mental health and work with carriers who offer fair, understanding coverage.
Learn more about coverage optionsOther Conditions
We work with carriers that cover many other health conditions including kidney disease, liver conditions, and autoimmune disorders. Contact us to learn about your specific situation.
Learn more about coverage optionsPartnering with Trusted Life Insurance Providers
We work with top-rated providers to bring you the best life insurance options.
* Testimonials represent real customer experiences. Individual results may vary based on age, health status, and coverage needs.
** Coverage and rates are subject to eligibility, underwriting requirements, and state availability. Not all applicants will qualify. Please consult with a licensed insurance agent to understand your specific situation and options. Sample rates shown are for illustrative purposes only; your actual premium will depend on age, gender, health classification, coverage amount, and carrier underwriting at time of application.
Curtis Drake | Licensed Independent Life Insurance Broker | NPN: 1141954 | TX License #738897 | Licensed in 41 states (not licensed in Connecticut, Illinois, Mississippi, Montana, New Hampshire, New Jersey, New York, Vermont, Washington, or Wisconsin).
Our Process
- Initial Health Assessment
- Medical History Review
- Policy Options Evaluation
- Insurance Company Selection
- Application Submission
- Underwriting Review & Decision
FAQS
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