Getting life insurance with a pre-existing medical condition can be a challenge, but it’s not impossible. You can still find a great deal of coverage and lower your rates by taking steps to treat your condition and following a treatment plan.

A life insurance carrier will consider your medical background when determining whether you are a good candidate for coverage. They will perform a variety of tests to assess your health and calculate your premiums. If your medical background is positive, you may qualify for a super preferred rate. However, if you have a more serious medical condition, you may be denied coverage.

The best way to deal with your pre-existing condition is to let your insurance agent know about it. They will also need to know what you are currently taking for it. They may also ask you for medical documentation to prove the improvement.

It’s important to understand that some insurance carriers will deny coverage to applicants who lie on their application. You may be charged with insurance fraud if you lie on your application, and you could be disqualified from coverage for a period of time.

You may want to consider a guaranteed issue life insurance policy if you have a pre-existing medical condition. These policies are designed to be affordable, and they offer limited death benefits. You can also find guaranteed issue policies from companies that provide good financial ratings. AIG and Pacific Life offer good rates, but they may require you to take a medical exam.

The best way to find life insurance with a pre-existing condition is to shop around and talk to a broker. You can also find coverage through your work. Some insurers will allow you to apply for coverage under your employer’s group plan. However, if you have a serious medical condition such as cancer, you may have to wait for several years before you can receive coverage.

If you want to lower your life insurance rate, you can treat your condition and modify your lifestyle to make it more manageable. This will likely result in lower rates and a better quality of life. If you have diabetes, you may be able to lower your rate by taking your blood pressure under control. Some life insurance carriers also offer a super preferred rate to people with well managed chronic medical conditions.

You may also want to consider purchasing a guaranteed issue life insurance policy. These policies are designed to be permanent, and your rates will remain the same. They are also available from companies like Mutual of Omaha. You can also talk to an independent insurance agent. These people are knowledgeable and understand how to fit you into a company’s guidelines. They will also be able to help you find a life insurance policy that works best for your lifestyle and budget.

You should also take the time to get a medical exam. This can be done by a paramedical examiner or at your doctor’s office. The exam will likely include a questionnaire, height and weight checks, and other tests. It’s also wise to get a few quotes from a variety of providers. This way, you can make sure you’re getting the best price possible.