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Best Life Insurance With Pre-Existing Conditions in 2018

Most people searching for life insurance with a pre-existing condition are trying to locate the right company for their specific health condition. The good news is, that is what we are here to help you accomplish. Our goal is to find our clients the best life insurance company at the best price based on each client’s unique health and lifestyle. The keys to our success are contained in this article.

There are two main things we consider when inquiring into preexisting conditions: the particular disease or health risk and the types of prescription medications the client is taking. Often overlooked, but no less important, are the RX medications taken by a client. For more on the importance of medications, check out our article

Does your agent think like a pharmacist?

Click the following button to view our list of prescription medications or list of diseases

Our 4 Step Process For Life Insurance Approvals With Pre-Existing Conditions:

  1. Applicant will be asked the questions that a life insurance underwriter will want to know.
  2. TermLife2Go will find the right life insurance company for your specific pre-existing condition and/or prescription medications.
  3. TermLife2Go will review the “fairness of the offer” of the life insurance approval with a pre-existing condition and/or prescription medications.
  4. If it turns out that the offer is not fair, TermLife2Go will take your existing labs and offer them to another life insurance carrier for review.

Do you have a pre-existing condition and/or take prescription drugs? Have you been declined for life insurance or postponed for life insurance due to a pre-existing condition and/or prescription drugs? Have you been given a rate class that seems over the top due to a pre-existing condition and/or prescription drugs?

If you answered yes to any of these questions, we can help. Give us a call now or please read on.

It is important to have a Life Insurance Pre-Existing Condition Plan.

One way we differentiate ourselves at TermLife2Go is through our initial consultation.We are not trying to get you off the phone or trying to stick you into a cookie cutter life insurance policy. There is no “one size fits all” when it comes to life insurance. Everyone has a unique situation and need. And everyone has a unique health and lifestyle profile.

This is why we use a 4 step approach with all of our clients who are applying for life insurance that have a pre-existing condition and/or take prescription drugs. We realize that if we do not do our job correctly upfront then our goal of finding you the best company at the best price becomes a lot more difficult, if not impossible, to accomplish. People with health problems can get life insurance. That is why we make it our job to find life insurance for people with health problems.

The importance of choosing the right agency

The difference between rate classes can be significant. For example, the premium from preferred plus to standard is an increase of 100%. For our readers who are considering more expensive forms of coverage, such as estate planning, buy sell agreements, or key person business insurance, the difference between preferred plus and standard (or table rated) can make or break the policy. Therefore, choosing an agency such as TermLife2Go not only makes sense from a efficiency perspective but for larger policies, we can save you tens of thousands of dollars over the life of your coverage simply by knowing the right company to place you with.

Our 4 Step Process For Approval with Pre-Existing Conditions

  • Step 1: we take the time to ask the questions that a life insurance underwriter will want to know. Let’s say you are looking for life insurance with pre-existing medical conditions.
    • For example, if you have diabetes, then do you have any side effects of diabetes such as neuropathy, retinopathy, or renal failure? What is your blood sugar level? What age were you diagnosed? What was your last A1C?
    • The specific line of questioning that we ask you will depend on the prescription medications you take and the pre-existing conditions you have.
    • We may even have a great no physical exam life insurance option.
    • Also see, Tips on “acing” your life insurance exam
  • Step 2: we then find the right life insurance company for your specific pre-existing condition and/or prescription medications. Life insurance companies will offer a *quick quote based on the information we provide them. TermLife2Go will then review the various quick quotes and explain what life insurance carrier we recommend for you and why we believe that specific life insurance carrier is the best choice. We target specific life insurance carriers that have a unique “niche” for your specific pre-existing condition and/or prescription medications. Our goal is to find you the best company, at the best price.
    • *quick quote: Life insurance carriers will provide feedback, termed a “quick quote”, based on a client’s pre-existing medical condition or lifestyle. TermLife2Go then uses this “quick quote” to determine which life insurance carrier will be the best fit. It is a great way to know with a great deal of certainty what to expect from various life insurance carriers when dealing with a medical or lifestyle pre-existing condition.
  • Step 3: we review your life insurance approval with a pre-existing condition and/or prescription medications to make sure that it is a “fair” offer. Once you have gone through the underwriting process the life insurance carrier will give you an offer on life insurance. Often it is the same rate class as we quoted you initially. However, at times certain unknown information or unforeseen lab work will cause the life insurance company to offer a different rate class (sometimes better, sometimes worse). TermLife2Go will then review your offer and make sure that it is a fair offer based on your lab work and medical records.
    • The “fairness” of the offer is determined by what rate class the life insurance company’s peers would have offered. If it is a fair offer then all is well. If it is not a fair offer then we push back a little and ask the underwriter, “What gives?” And if we are not happy with the response we move on to step 4.
  • Step 4: if it turns out that the offer is not fair, (remember, the “fairness” of the offer is determined by what rate class the life insurance company’s peers would have offered), we will take your existing labs and offer them to another life insurance carrier for review. Rest easy, you do not have to take another paramedical exam. We simply use your original labs and pass them over to another life insurance carrier. This way, we at TermLife2Go are doing whatever we can to ensure that you are getting the best life insurance company, at the best price.
  • Are you ready to move forward? Give TermLife2Go  a call for a free consultation at 888-234-8376.

Pre Existing conditions

Life insurance with pre-existing conditions can be anything ranging from:


Here is a real life example of a client looking for life insurance with a pre-existing medical condition. The client, let’s call her Jane (44 year old female applying for a $500,000 20 year term), applied for life insurance with a large call center. She had a slight weight problem. She was 5’3″ and 220 lbs. This particular agency only represented one life insurance carrier. They could not or would not move her to a different life insurance company. They simply gave her the tired response, “It is what it is.” The life insurance carrier gave her a standard rate class even though she was in perfect health despite being outside of the “norm” per a life insurance build chart.

When Jane called us she had already accepted the life insurance policy (which is a good idea because you never know). We explained that with good labs (blood work, urine sample, blood pressure reading) she should be able to qualify for a preferred rate class with a specific life insurance carrier. With nothing to lose she decided to have another go and apply for life insurance again, this time with the life insurance company we recommended.

The result: she came back at a preferred rate class. The difference? She now pays around $540 a year instead of $850. That is over $300 a year in savings or $6,000 over the life of the policy (20 years).

Jane sought us out. However, all too often people fail to realize they have other options because their original agent told them they could not reapply for life insurance for 6 months. The truth is, if your policy came back at a different rate class than you originally qualified for you can reapply for life insurance right away. The key is, you need to verify whether or not you will be able to qualify for a better rate than you were just offered. That is where TermLife2Go comes in.

Best Life Insurance for people with medical conditions

So what is the best life insurance for people with medical conditions? The answer to that question varies depending on the medical condition. The company that might be best for diabetes is not necessarily going to be best for the person recovering from cancer. Since there is not one best life insurance company for people with pre-existing medical conditions, it goes without saying that the key is to have options. TermLife2Go works with dozens of different top rated best life insurance carriers. We focus on life insurance niches in order to get our clients with pre-exsisting medical conditions the best life insurance rates available.

What if I have been recently declined?

If you have recently been declined for life insurance don’t give up hope just yet. All too often it is because the company you applied with was not the right company from the start.

However, if you were declined and there is no company that will cover you, then consider guaranteed issue life insurance. This type of policy comes in two forms: final expense insurance generally ranging from $20,000 to $25,000 and burial insurance starting as low as $1,000.

About TermLife2Go

By working directly with TermLife2Go you will have an assigned agent dedicated to your life insurance application.  This agent will be available to you throughout the entire application process; he or she will provide you with status updates as your application goes through underwriting and will also review your application at time of approval to ensure that you are still getting the best deal out there!

So what are you waiting for?  Give TermLife2Go  a call for a free consultation. We will let you know what your options are and if you can qualify for a better rate class. After all, our goal is to find you the best company, at the best price. Call today!

Thank you for reading our article, Life Insurance with Pre-Existing Conditions. Please leave any questions or comments below.

85 comments… add one
  • Frances King-Stephens

    I need burial insurances please give me a call (434) 203-8235

    • TermLife2Go

      We’ll have one of our agents give you a call. You can also contact us at 888-234-8376.

      Thank you!

  • Latrice b

    I have 2 preexisting conditions which are hypertension which I’m taking medication for along with being a type 2 diabetic that is insukin dependent. With an a1c of 5.2.

    • Latrice,

      We help lots of folks find coverage after they’ve been diagnosed with hyper tension and well controlled diabetes, so… be on the lookout for an email from one of our agents to confirm that you will be eligible for coverage.



  • scott w

    Yeah my mom been dealing with cancer for years now. She is actually going through treatments now but she been pulling through the past 20 years.she wanted to see if she could afford life insurance but I’m new at all this is there a insurance that would be accept her? Thanks my email is HXXXXXXXXXX@gmail.com pleAse help thanks

  • Josh

    My mom is 59 with hepatitis C, has a pacemaker and defibrillator, and emphysema. I’m sure I’d have to have a guaranteed issue policy. I was just curious exactly how that works and with the rates were?

    • Josh,

      It does sound like a guaranteed issue life insurance policy is going to be your best bet. We’ll have an agent reach out to you ASAP so that he or she can answer any questions you may have.



  • Tye B.

    My wife has Friedreichs Ataxia, she’s 24, I’ve been denied life insurance for her through my fire Dept. Know any co. That would insure?

    • Tye,

      That’s a tough one. Let us run that one by a few underwriters and we’ll get back to you with what we learn.



  • Trying to find life insurance for preexisting conditions

    • Janice,

      We’d love to help, just give us a call when you have a chance.



  • Looking for insurance

    • Sounds good, just give us a call and we’ll do our best to help you out.



  • I want a 50,000 policy with accidental death for 30 years that I can afford drawing only 726.00 monthly from my SSDI other than my pre existing diagnosis I’m actually in pretty good health and active

    • Sounds good, we’ll have an agent reach out to you ASAP to go over what options may be available to you.



  • Linda P

    I would much rather be contacted by e-mail

  • Gordon S.

    Do you have a fee for your service are you a broker

    • That is a great question!

      After all, TermLife2Go is a business so we must be making money somehow, right?

      So, allow us to explain:

      • TermLife2Go is an insurance brokerage.
      • We offer insurance policies from dozens of different life insurance companies and are not owned or operated by an insurance company.
      • Our services here at TermLife2Go are free to you the CONSUMER.
      • At no point will you be asked to pay TermLife2Go for any services you receive.
      • Additionally, there is no charge to YOU for applying for life insurance regardless of the outcome.

      TermLife2Go will be paid…

      A “fee” or “commission” by the insurance company that you ultimately decide to purchase your life insurance from.

      This “fee” or “commission” is not added on to what you would normally be expected to pay, had you chosen to purchase your life insurance policy directly from the insurance carrier.


      This “fee” or “commission” is already built into the “cost” of the life insurance policy.

      Which means that…

      If you were to purchase the same life insurance policy directly from the insurance company you would be expected the pay the price (this can easily be tested by first getting a quote from us, then “shopping” that quote directly with the carrier).

      Now you may be wondering…

      “If the cost is the same, why not apply directly with the insurance company?”

      Which is another great question!

      So, allow us to explain.

      By choosing to apply with TermLife2Go, you are choosing to keep all of your options available to you throughout the entire life insurance application process.

      For example:

      Before you take your medical exam, we may be certain that one particular life insurance company is going to be the best for you. However, once your medical exam results come back it may turn out that the carrier that we first applied with is now no longer the “best” fit.

      This could be due to:

      • You weigh more than your original thought.
      • You’re not as tall as you thought.
      • Your blood pressure or cholesterol levels came in high.
      • You exceeded an allowable blood sugar amount.
      • Etc, etc…

      Now if you applied with an individual insurance company, you’re basically going to be “stuck” with that one life insurance company.


      If you applied with TermLife2Go, we’d just “re-package” your application and “move” it to a more favorable insurance carrier now that we have a “complete” picture of your actual health!


      Hopefully, this answers some of your questions. If not feel free to give us a call and ask.

      We here at TermLife2Go feel that our best clients are the ones that are most informed and this would include understanding how we get paid!

  • Jennifer

    My husband had a stroke 6 years ago and has had no problems since and no lasting damage or disability from it. He has been denied by every company we apply to for life insurance. Would you be able to help us?

    • Jennifer,

      We would first want to know which companies you have previously applied with to see if we might have an alternative option.

      So… please be on the lookout for an email from one of our agents so that we can obtain this information.



  • Karen

    I have type 2 diabetes; can I get a $30,000 policy?

    • Karen,

      Having type 2 diabetes does not disqualify you from being able to purchase a life insurance policy. Now have “uncontrolled” type 2 diabetes may disqualify you from certain “types” of life insurance policies.

      So… just give us a call when you get a chance so we can learn what “type” of type 2 diabetes you have (controlled vs uncontrolled) and we’ll do our best to help you out.



  • Jewel J.

    Need a person to talk too

  • Alicia

    My mom is only 43 years old. She is a smoker has copd and lots more health issues. The respiratory problems is giving her the worst she has had to been on the vent multiple times the in the doctors think she wouldn’t make it but she came through with it is there a life insurance policy out there that is Affordable for somebody on disability that will cover her no matter her health problems already

    • Alicia,

      Yes, there are policies that will cover someone regardless of their current health conditions, they are called guaranteed issue life insurance policies.

      The only problem is that these policies will contain what is called a “graded death benefit” which will require that the insured remain alive for at least 2 years after the policy has been begun prior to the policy covering death due to natural causes.

      For more information regarding such policies feel free to give us a call or simply visit:




  • Will you cover some one with aids

    • Jennifer,

      We are not the actual life insurance company. We represent many top rated companies in the U.S. and help our clients by aligning our clients with the company best suited for each client’s unique need.

      When looking for life insurance with an existing condition such as HIV or AIDS there are other factors to consider. In order for us to give you our best recommendation we will need to speak with you. Please give us a call at your earliest convenience.

      Thank you,

  • Iverson

    27 years old. Was diagnosed with common variable immune deficiency (CVID) at 22. Was instructed by doctor to stop taking treatment as significant improvement made according to lab work. Can I expect to find company willing to insure my life on 20 year term??


    • Iverson,

      In our experiences when it comes to working with folks who have been diagnosed with an immune disorder, it generally comes down to the severity of the condition. To fully understand this, we would need to ask some additional questions such as:

      – At what age where you diagnosed?
      – How long did you treat your condition?
      – What is the long term prognosis for a typical case?
      – Are you currently working now?

      From there we would then typically consult several underwriters prior to actually applying for coverage so that “if possible” we could potentially avoid submitting your application if we determine you would not be eligible during this preliminary review.

      This is why for now, we would simply suggest that you give us a call so that we can learn a little bit more about your situation and see if we might have a good fit for you.



  • Zach

    I am 2 years post thoracic spinal cord injury with paralysis. I haven’t had any additional complications due to my injury. I have been denied life insurance thus far. Would you know of any companies that could fit my scenario?

  • I am searching for life insurance for a relative that is on dialysis plus has diabetes and has had open heart surgery. He is 65 years old. Can you help?

    • Linda,

      From what you’ve described, it sounds like a guaranteed issue product might be your best bet. Just give us a call and we’ll happily go over all of your options.


  • Katrina

    My fiance has a pre-existing conditions which is acute renal failure and I am needing life insurance for the both of us can you help us?

    • Katrina,

      From what you’ve described, it sounds like a guaranteed issue product might be your best bet. Just give us a call and we’ll happily go over all of your options.



  • Hey, I’m contacting you because I’m having a hard time finding a insurance company that will cover anyone with breast cancer, can you help me?

    • Brittney,

      If you are currently receiving treatment its going to be tough to find any coverage beyond what is called a “guaranteed issue” life insurance policy that would be limited to about $25,000 in coverage. Now if you are in remission, issues like stage of cancer you beat, and how long ago was your last day of treatment are going to come into play.

      For this reason, its probably better for you to just give us a call and we’ll see what we can do to try to help you out.



  • Tineisha


    I have a pre existing condition , high blood pressure (controlled through medication) also minor problems with my kidneys controlled through medication as well.



    • Tineisha,

      Just give us a call when you have a chance and we’d be happy to review what options might be available to you.



  • Deborah clark

    I have a mom that is 69 she has copd high blood pressure. I am her second oldest daughter. No other family looking out for her. Is there anyway I can get life insurance on her to make sure she is barried when that time comes? Can I do it without her signature

    • Deborah,

      It sounds like there may be a couple of options available to you. Why don’t you give us a call and one of our final expense experts will go over all of your options.



  • Mele


    I have congenital heart disease and have been turned down for life insurance I am 35years old. I’ve had 5 heart surgeries and on my 2nd pacemaker. Do you have any type of insurance to help cover me?

    • Mele,

      That’s a tough one because it sounds like you would probably need to go with what is called a “Guaranteed issue” life insurance policy. These are policies that won’t require a medical exam or ask any medical questions. Unfortunately, they are capped at around $25,000 in coverage and generally won’t insurance anyone until they’re at least 45-50 yrs of age.

      That being said, why don’t you give us a call so that we can learn a little more about your situation and see if there is any chance at all, that we may have an insurance carrier that will still insure you ASAP.



  • Connie

    I’m interested in getting life insurance coverage for my son. How do I get a quote for that? Thank you

    • Connie,

      The best way for you to get a quote for coverage on your son would be to give us a call.



  • Hello I know I am high risk am and looking for a final expense policy to make sure I don’t leave my husband of 32 yrs a big bill for my burial. I have had breast cancer twice a heart attack etc.. am 55 yrs old but am living a fairly normal life I have been on social secutity disability for some time. I can walk on my own can do household chores etc I do see a nuerologist once a month for my meds and go to cancer center once a month for check ups I do have aches and pains daily and take pain meds for this I take care of myself daily I feel fine and am not leaving this earth anytime soon just want like 10,000.00 coverage to cover when my time comes many many years from now can you please help me I love my honeybear and don’t want to leave him a big bill thank you so much

    • Kathleen,

      From what it sounds like, you’ll be a perfect candidate for what is called a “Guaranteed Issue” life insurance policy. These are life insurance policies that won’t ask any medical questions or require you to take a medical exam.

      Since you are above the age of 50, we should also have several different life insurance companies available to you. Just give us a call when you have a chance so that we can review all of your options with you.



  • Karen

    My husband had a heart valve transplant 4 years sgo, followed by a pacemaker 6 months later. He has regular check-ups and is doing well. Is there a company that will give him a life insurance policy?
    I had a breast cancer surgery last fall and finished chemo in April of this year. I feel like my chances for a life insurance policy is less likely, but would like to know if I could also be insured?

    • Karen,

      Due to the complexities involved with both or your cases, it’s probably best for you to just give us a call. The last thing that we would want to do is make any quick assumptions about your current condition or about what you’re hoping to achieve by purchasing life insurance today (Is it for Mortgage protection, income replacement, final expense or burial costs, etc, etc…?)



  • Julie

    My husband will be 60 in June and has very well-controlled Type 2 diabetes. He pays a fortune in life insurance (something in the neighborhood of $1,600 a year). Is there any chance of finding something less costly?

    • Julie,

      All we can do is take a look. Why don’t you give us a call when you have a chance and we’ll see what’s available.



  • wanda degolyer

    I am 32 and I have asthma and cold and seizures and have depression and anxiety and I was turned down for life insurance what can I do can I get life insurance

    • Wanda,

      Many variables are going to determine whether or not we are going to be able to find coverage for you. For example:

      – Which insurance company turned you down?
      – What is the severity of your COPD/Asthma?
      – Do you currently use any type of nicotine products?
      – What type of prescription medications are you currently taking?
      – Etc, etc…

      For this reason, its best to simply give us a call so that we can obtain some additional information prior to determining what type of life insurance we might be able to qualify you for.



  • Cheri Kleynenberg

    Looking for affordable coverage for an adult male, age 41 who has a diagnosis of bipolar and is currently on medication to treat this. How much do insurance premiums rise with pre-existing mental health conditions?

    • Cheri,

      When it comes to securing a life insurance policy for someone who has been diagnosed with bipolar disease, there really aren’t any universal, definitive answers to the questions that you are asking.
      In other words, before we would know what type of life insurance policies the bipolar applicant would qualify for, we would need to know:

      – How much coverage he or she was looking to purchase?
      – How well managed has his or her bipolar disease been to date?
      – And is he or she currently working, or are they receiving SSI disability?

      Once these questions have been answered, we can typically move on to the usual questions asked of any life insurance applicant.

      For this reason and many others, we suggest that you give us a call so that we can give you a better idea of what all of you options will be.



  • Karlae Whitaker

    My daughter has cerebral palsy a g tube button and epilepsy shes 7 years old is there a whole life policy out there for her?

    • Karlae,

      When we encounter a client with a condition that would normally not be approved for a fully underwritten term life insurance policy, we’ll typically look and see what our “guaranteed issue” life insurance options are. Unfortunately, to our knowledge, there aren’t any insurance companies that are currently offering guaranteed issue life insurance policies to children. Should this change, or should we discovery a company that does, we’ll certainly reach out to you then.


  • Rob

    My partner has an immune deficiency disease,(HIV). He is healthy, undetectable, and all lab work is normal. He is 41. Is there any life insurance policies for this pre existing condition?

    • Rob,

      Unfortunately as of right now, with a diagnosis of HIV, we’re still forced to look at life insurance policies that are called “guaranteed issue” life insurance policies. These types of policies are typically limited to about 10-50 thousand in coverage but are unavailable for folks under age 50 (at least to our knowledge).

      Which means that until your partner is over 50 years of age, the best policy that we would be able to offer him is an “accidental death” policy.
      The good news is that there has been a lot of talk over the past couple of years by insurance companies to begin considering HIV differently, now that it seems so well managed with today’s medicine.
      That being said, however, we here at TermLife2Go however, have not found an insurance company that will insure HIV positive individuals for traditional term and whole life coverage, but that does not mean that we’ve stopped looking.

  • peter jones

    My doctor put me on COPD medication for sometimes but it seems he miss diagnosed me. after taking silent acid reflux medication for 1 month only my condition improved 100%. My sperometer reading improved to 100%.
    Can i get term insurance?

    • Peter,

      Having been diagnosed with COPD correctly or incorrectly, will not preclude you from being able to qualify for life insurance with COPD or Emphysema. Just give us a call when you have an opportunity, and we should be able to provide you with several different options to choose from.



  • Toya

    My husband had heart transplant, it will be 10 years soon. Will he be able to get life insurance? I can’t find anyone who would insure him. Can someone contact me or let me know if it is possible without a steep cost.

    • Toya,

      You’re going to need to look for what is called a guaranteed issue life insurance policy. These policies won’t ask any medical questions which is great, but they’ll also come with some “additional” features such as a “graded death benefit”.

      For a complete breakdown on all of your options please feel free to give us a call.



  • Tiffany

    I have type 2 diabetes and high blood pressure that I take medication for. I have never been hospitalized due to either of these conditions. However, I have had difficulty obtaining additional coverage. (Currently, I have 50,000) I’m 34yrs old and a non smoker. Can you contact me about my options?

    • Tiffany,

      We’ll have an agent reach out to you shortly,you can also always give us a call.



  • Claudine Jacobs

    My husband got laid off from a job that he had lufe insurance through. Currently he has a contract to hire job and was waiting to get life insurance again through this company that he hopes to be hired permantely. He went to the doctor and has had a scare of a possible serious condition but has not been diagnosed as if yet. We are waiting for referral to specialist and initial labs. At any rate can he apply for life insurance &still be covered if the diagnoses cimes back after application. Also if a polucy is purchased privately can he then drop it and apply through company if hr gets hired on or does he have to keep the iriginal life insurance for a certain term?

    • Claudine,
      Nearly every life insurance company out there will have a question in their application that will sound similar to the following:
      “Has the proposed insured ever had a heart attack, stroke, cancer, diabetes or disorder of the immune system, or during the last two years has the proposed insured ever been confined in a hospital or other health care facility or been advised to have any diagnostic tests or surgeries not yet preformed?
      Now while answering “yes” to this question will considerably complicate your life insurance application, it will not necessarily mean that it won’t be approved. However when it comes to future diagnostic tests or surgeries, in most cases the insurance company will want to wait and see what is discovered prior to making any underwriting decisions.
      With that being said, there are smaller life insurance policies that can be purchased without having to answer any medical questions and/or it may still be possible to extend the coverage your husband had with his previous employer (this would be something you would want to pursue with his previous employers human resource department).
      Since your husband’s case is a bit more complicated than a typical life insurance application, your best bet would be to simply give us a call so that we can go over all of the options that might be available to you.

  • tracy d sharp

    Need insurance I have chf high blood pressure and hight asthma

    • Tracy,

      Your ability to find life insurance coverage will ultimately come down to how old you are and how much coverage you are looking for. With a diagnosis of coronary heart failure, most insurance companies that are going to require a medical exam or even ask any medical questions will simply be out of the question. For this reason, we will need to pursue some type of guaranteed issue life insurance policy for you, of which we have several to choose from.

      Please give us a call so that we can go over your options with you and see if we have something that will meet your needs.



  • Sergio

    My sister has diabetes due to pregnancy. What options does she have?

    • Hi Sergio,

      Most people who had gestational diabetes can still get life insurance at the best rate class. However, there are some specific questions we would need to cover with your sister. Please have your sister give us a call or you could fill out her info on our contact page and we will be happy to reach out to her.

      Thank you!

  • Joyce Jones-Williams

    My husband a medical problems that makes it very hard for me to get life insurance on him. He is a diabetic and congestive heart failure. We go to the Dr’s all the time to make sure he is ok. Thank God he is. I need help with life insurance.

    • Joyce,

      In you husband’s situation, the congestive heart failure is going to be the major issue that will most likely prevent him from being able to find life insurance coverage with most insurance companies. With that being said however, there are a few insurance carriers that will be willing to offer full life insurance coverage, its just going to come down to how much coverage they will be willing to offer and at what price? Feel free to give us a call at 866-788-8740 and we would be happy to discuss of the options available to you and your husband.



  • Kim

    Interested in getting life insurance for final expenses for my two sons. They have a primary immune deficiency called hyper igm syndrome. Their life expectancy is early to mid 20’s. Would we be able to find any kind of policy for them? Thanks

    • Unfortunately, final expense policies are not offered until at least age 40. I do not know of any life insurance product that would be available for your two sons that have a condition that places their life expectancy in the early to mid 20’s. I am sorry to hear that they have this condition and can only hope that they both beat the odds and live long, happy, prosperous lives.

  • Stephanie

    I have Hepatitis C which is undetectable and need life insurance

    • Stephanie,

      A diagnosis of Hepatitis C is not necessarily an automatic decline with every life insurance company, especially when it’s currently undetectable in ones blood system. That being said, it will ultimately come down to the specifics within your medical record along with your current health status.

      Why don’t you just give us a call when you have a chance and we’ll be able to give you more accurate quote based on your full medical profile.



  • Stephanie

    I have a pre existing condition and I need life insurance

    • Stephanie,

      Without knowing more about your situation, it would be impossible for us to determine if we can be of any assistance. So why don’t you give us a call when you have a chance and we’ll see what we can do for you.


  • Keith Manns

    Hello, I currently have several pre existing conditions (diabetes a1c 6.1, sleep apnea and supra ventricular tachycardia.

    Also I am disabled due to a back injury, can you guys help me out?

    • Keith,

      Nothing that you described in an of itself should prevent you from being able to find coverage, it will ultimately come down to how much coverage you’re looking for and what specifically is in your medical records. Why don’t you give us a call or simply email your telephone number to info@termlife2go.com so that we may have one of our agents reach out to you so that we can really nail down your options.


  • Jeff

    I have a pre-existing condition. I sent you an email on your contact page.

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