Having a pre-existing condition can make life insurance more expensive and limit the types of policies available to you.
Many insurers still provide coverage for chronic conditions like diabetes or cancer, though premiums and terms may vary.
Guaranteed issue life insurance offers acceptance without medical exams but comes with higher costs and lower coverage limits.
If your condition improves, you may qualify for a re-rating, allowing you to lower your life insurance premium.
Always be transparent about your health, as hiding information can result in denied claims and future application rejections.
