{"id":403010,"date":"2024-12-03T08:41:09","date_gmt":"2024-12-03T08:41:09","guid":{"rendered":"https:\/\/fidelitylife.staging.thisismess.io\/life-insurance-basics\/uncategorized\/life-insurance-for-pre-existing-medical-conditions\/"},"modified":"2024-12-03T08:41:09","modified_gmt":"2024-12-03T08:41:09","slug":"life-insurance-for-pre-existing-medical-conditions","status":"publish","type":"post","link":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=403010","title":{"rendered":"Life Insurance for Pre\u2011Existing Medical Conditions"},"content":{"rendered":"<div>\n<section class=\"page-content block block-page-content\" tabindex=\"-1\">\n<div class=\"page-content-inner\">\n<p>Have a pre-existing medical condition and wondering if it\u2019s possible to get life insurance? Don\u2019t worry \u2013 you have options.<\/p>\n<div style=\"text-align: center;\">\n<h4>Ready to get started?<\/h4>\n<div class=\"preview-section-button\" style=\"padding: 0 0 40px 0;\"><a class=\"site-link button blue\" style=\"color: #ffffff; text-decoration: none;\" href=\"#get-quote\" data-gtm=\"true\" data-ctatext=\"Get My Quote\" data-location=\"pre-existing medical conditions-Can you get life insurance with a pre-existing condition?\">Get My Quote<\/a><\/div>\n<\/div>\n<h2>Can you get life insurance with a pre-existing condition?<\/h2>\n<p><a href=\"https:\/\/www.kff.org\/health-reform\/press-release\/nearly-54-million-americans-have-pre-existing-conditions-that-would-make-them-uninsurable-in-the-individual-market-without-the-aca\/\"> More than one in four (27%) of American adults <\/a> under the age of 65 currently live with a pre-existing health condition. Living with a chronic health issue often means adjusting to a new normal, but one thing that doesn\u2019t have to change is your ability to qualify for life insurance.<\/p>\n<p>Fidelity Life offers a wide range of life insurance policies, including plans for those with less-than-perfect health. Learn more about your options and how to get covered.<\/p>\n<\/div>\n<\/section>\n<section class=\"page-content block block-page-content\" tabindex=\"-1\">\n<div class=\"page-content-inner\">\n<h2>What is considered a pre-existing condition?<\/h2>\n<p>A <a href=\"https:\/\/www.healthcare.gov\/glossary\/pre-existing-condition\/\"> pre-existing condition <\/a> includes any health issue or condition that existed before you applied for insurance coverage. Some of the illnesses that life insurance companies look for include:<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Heart disease<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Asthma<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Diabetes<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\"><a href=\"\/life-insurance-basics\/life-insurance-101\/life-insurance-for-people-with-depression-and-anxiety\/\"> Depression and other mental health concerns <\/a><\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Cancers<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Autism<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Epilepsy<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Obesity<\/li>\n<\/ul>\n<p>The list of qualifying pre-existing health conditions can vary depending on the life insurance policy you\u2019re interested in. If you\u2019re wondering about your own eligibility for life insurance with pre-existing conditions, <a href=\"\/support\/\"> give one of our agents a call <\/a> to talk about your options.<\/p>\n<h2>What medical conditions affect life insurance?<\/h2>\n<p>When you apply for life insurance with Fidelity Life, we\u2019ll talk to you about your current health, history of health issues, and <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/life-insurance-101\/does-family-medical-history-affect-life-insurance-rates\/\"> your family\u2019s medical history <\/a> . Some of the things we\u2019ll look at when it comes to pre-existing conditions include:<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\"><strong> Type of condition. <\/strong> The severity and life expectancy for your condition can impact your eligibility and the rates you\u2019ll pay. For example, someone with arthritis is at less risk and may have more life insurance options than someone with heart disease.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\"><strong> Current health condition. <\/strong> If your condition is under control and you\u2019re in good health otherwise, you can often still qualify for traditional life insurance. Explore our <a href=\"\/life-insurance\/term-life-insurance\/\"> term life insurance policies <\/a> .<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\"><strong> How long it\u2019s been since your diagnosis. <\/strong> In general, the longer the illness, the greater risk there is for complications, which can mean higher rates.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\"><strong> Age and lifestyle. <\/strong> If you\u2019re younger and relatively healthy, you may qualify for lower rates. Lifestyle habits like smoking and drinking can also factor into your eligibility and the price you\u2019ll pay for coverage.<\/li>\n<\/ul>\n<p>Depending on the policy you apply for, you may also have to take a medical exam to confirm your health status and determine eligibility and rates. The exam is free to you and usually includes height and weight checks, basic tests, and a health questionnaire. At Fidelity Life, we can often get you covered while you wait to take a medical exam, and in some cases can waive an exam altogether. Learn more about <a href=\"\/life-insurance-basics\/life-insurance-medical-exam-101\/\"> taking a medical exam. <\/a><\/p>\n<section class=\"page-content block block-page-content\" style=\"margin: 0; padding: 0; background: #f3f6f8;\" tabindex=\"-1\">\n<div class=\"page-content-inner\" style=\"text-align: center;\">\n<p><img decoding=\"async\" style=\"display: block; width: 100%; max-width: 800px; margin: 0;\" src=\"https:\/\/staging03.wordpress.fidelitylife.com\/wp-content\/uploads\/2024\/07\/0851074f-seniors_sectimg.jpg\" alt=\"Couple smiling on a boat\" \/><\/p>\n<h2 style=\"margin: 0;\"><span id=\"life-insurance-for-seniors\">Find a policy that works for you<\/span><\/h2>\n<p style=\"margin: 0; padding: 0 50px;\">There are a range of affordable Fidelity Life products to choose from based on your situation and financial responsibilities.<\/p>\n<div class=\"preview-section-button\"><a class=\"site-link button purple\" style=\"color: #ffffff; text-decoration: none;\" href=\"#get-quote\"> Get Started <\/a><\/div>\n<\/div>\n<\/section>\n<h2>What\u2019s the best type of life insurance for pre-existing conditions?<\/h2>\n<p>Fidelity Life offers a broad range of policies to help meet your exact needs. If you\u2019re living with a chronic illness, explore some of the options available to you here.<\/p>\n<h3><strong> Term Insurance <\/strong><\/h3>\n<p>The most popular and cost-effective type of life insurance, term life insurance offers coverage for a set period of time, typically 10-30 years. That means you can lock in protection for your family exactly when you need it. If your pre-existing condition is under control, you may be able to qualify for term life. Fidelity Life offers a variety of term life policies, including:<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\"><strong> <a href=\"\/life-insurance\/term-life-insurance\/rapidecision-life\/\"> <em> RAPID<\/em>ecision<sup>\u00ae<\/sup><em>\u00a0<\/em>Life <\/a> : <\/strong> Get coverage from day one so you don\u2019t have to wait, with six months to go through the underwriting process for maximum coverage. Coverage amounts range from $50,000 to $2 million.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\"><strong> <a href=\"\/life-insurance\/term-life-insurance\/rapidecision-senior-term-life-insurance\/\"> <em> RAPID<\/em>ecision<sup>\u00ae<\/sup><em>\u00a0<\/em>Senior Term <\/a> : <\/strong> Designed for people between the ages of 50 and 70 with coverage up to $100,000, we offer partial coverage immediately with no medical exam required.<\/li>\n<\/ul>\n<p><a href=\"\/life-insurance\/term-life-insurance\/\"> Learn About Term Life <\/a><\/p>\n<h3><strong> Permanent Insurance <\/strong><\/h3>\n<p>Permanent plans offer lifelong protection that never expires. These policies are more expensive than term life, but can be a good fit if you\u2019re providing for a special needs child or have other lifelong financial needs. Fidelity Life offers:<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\"><strong> <a href=\"\/life-insurance\/term-life-insurance\/rapidecision-senior-term-life-insurance\/\"> <em> RAPID<\/em>ecision<sup>\u00ae<\/sup><em>\u00a0<\/em>Senior Whole Life <\/a> : <\/strong> Designed for seniors aged 50-85 with coverage up to $150,000, no medical exam, and guaranteed level premiums. You also accumulate cash value, and get final expense protection.<\/li>\n<\/ul>\n<p><a href=\"\/life-insurance\/permanent-life-insurance\/\"> Learn More About Permanent Insurance <\/a><\/p>\n<h3><strong> Final Expense <\/strong><\/h3>\n<p>Final expense is designed to help cover end-of-life expenses, like a funeral or medical bills. These policies don\u2019t require a medical exam and could be a good fit if you have a chronic illness.<\/p>\n<p><a href=\"\/life-insurance\/final-expense-insurance\/rapidecision-final-expense-insurance\/\"> Learn More About Final Expense <\/a><\/p>\n<h3><strong> Guaranteed Issue <\/strong><\/h3>\n<p>Not eligible for traditional options? Guaranteed issue provides dependable coverage with level premiums, and you can never be turned down for health reasons by a life insurance company.<\/p>\n<p><a href=\"\/life-insurance\/final-expense-insurance\/rapidecision-guaranteed-issue-life-insurance\/\"> Learn More About Guaranteed Issue <\/a><\/p>\n<h3><strong> Life Insurance Riders <\/strong><\/h3>\n<p>Riders are additional features you can purchase to adapt your current policy to specific needs. These riders can be especially helpful for pre-existing conditions and chronic illness, including:<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\"><strong> Long-term care rider. <\/strong> Offsets or completely covers long-term nursing home or assisted living care costs.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\"><strong> Accelerated death benefit rider. <\/strong> Allows your beneficiaries <a href=\"\/life-insurance\/life-insurance-riders\/terminal-illness-accelerated-death-benefit-life-insurance-rider\/\"> to collect your death benefit early <\/a> if you\u2019re diagnosed with a terminal illness.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\"><strong> Living benefit rider. <\/strong> Allows you and your family to collect a living benefit if you have a qualifying medical condition, a crucial benefit if you become unable to work.<\/li>\n<\/ul>\n<p>Talk to an agent about adding a rider to your life insurance policy.<\/p>\n<\/div>\n<\/section>\n<div style=\"text-align: center;\">\n<h4>Ready to get started?<\/h4>\n<div class=\"preview-section-button\" style=\"padding: 0 0 40px 0;\"><a class=\"site-link button blue\" style=\"color: #ffffff; text-decoration: none;\" href=\"#get-quote\" data-gtm=\"true\" data-ctatext=\"Get My Quote\" data-location=\"pre-existing medical conditions-Talk to an agent about adding a rider to your life insurance policy\">Get My Quote<\/a><\/div>\n<\/div>\n<section class=\"accordion block block-accordion\" tabindex=\"-1\">\n<div>\n<h3>How does Fidelity Life know if I have a pre-existing condition?<\/h3>\n<div class=\"accordion-item-content\">\n<p>We walk through your health history during your application and may ask you to take a medical exam. It\u2019s important to be upfront about your health so Fidelity Life can help you find the best option for you. If you don\u2019t disclose a health condition and it is discovered later by your insurance company, it could prevent or stop your coverage completely.<\/p>\n<\/div>\n<h3>I was denied life insurance. What should I do?<\/h3>\n<div class=\"accordion-item-content\">\n<p>Don\u2019t worry, you may still have options. You can try to make lifestyle changes to improve your overall health and apply again in six months. If that\u2019s not possible, consider alternatives that don\u2019t rely on your health, like guaranteed issue insurance.<\/p>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Have a pre-existing medical condition and wondering if it\u2019s possible to get life insurance? Don\u2019t worry \u2013 you have options. Ready to get started? Get My Quote Can you get life insurance with a pre-existing condition? More than one in four (27%) of American adults under the age of 65 currently live with a pre-existing [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":403011,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-403010","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance-101"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Life Insurance for Pre\u2011Existing Medical Conditions | Fidelity Life<\/title>\n<meta name=\"description\" content=\"Find life insurance options for pre-existing medical conditions. 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