Navigating Life Insurance With Existing Health Conditions & Dangerous Activities- 2017

Navigating Life Insurance With Existing Health Conditions & Dangerous Activities- 2017

Ed Note: Our life insurance buyers list of existing conditions- 2017 edition is here. Articles will be added and updated regularly.  

Let's face it, nobody thinks buying life insurance is a "fun" activity. But if you have an existing health condition it can be downright aggravating.

The major source of aggravation is that every major life insurer has different standards for what it considers a great, good, or average, or bad risk.

Navigating this minefield alone can be a lengthy and often self defeating task.Luckily, it is not necessary to "go it alone".

Finding the Carrier Best Suited to Your Condition.​

What ever your ailment, there is a good chance we have seen it and can recommend the carrier(s) who look most favorably on  your particular situation. 

Placement of your application with the right carrier for your situation is vital to obtaining the best deal possible.

Simply choosing the lowest monthly price on the quote tool only works for the folks who are in perfect health. If you are not so lucky as to be in perfect health, you may want to receive a custom quote. This will dramatically increase the odds of an accurate quote.  

Note that less than 10% of life insurance applicants receive  the preferred plus rating​, so knowing which company to apply with matters in the end.

Use an Independent Agent to Get the Best Deal

Because as an independent agency we have access to 50+ carriers, we are able to place your application with the company that fits you best. Below is a list of some of the conditions we have placed in the past. 

Please feel free to call or contact us with any questions you may have.


Acid Reflux- Life Insurance with Acid Reflux


Asthma - Life insurance with Asthma

Addison’s Disease- Life Insurance with Addison's Disease


Aneurysm- Life Insurance after Brain Aneurysm

Angina Pectoris- Life Insurance With Angina

Angioplasty- Life Insurance after Angioplasty

Anorexia- Life Insurance After Anorexia

Anxiety- Life Insurance with Anxiety Disorder

Arrhythmia - Life Insurance with Cardiac Arrhythmia

Atrial Fibrillation- Life Insurance with AFIB

Atrial Flutter- Life Insurance with Atrial Flutter

AVRD- Life Insurance with AVRD​


Basil Skin Cancer- Life Insurance with Basil Skin Cancer 

Bipolar Disorder- Life Insurance with bipolar Disorder

Breast Cancer

Bulimia- Life Insurance after Bulimia 

Bypass Surgery- Life Insurance After Bypass Surgery 


Cardiomyopathy- Life Insurance with Cardiomyopathy

Cardiac Bypass Surgery- Life insurance After Cardiac Bypass Surgery

Cardiac Infarction- Life Insurance with Cardiac Infarction

Cerebral Palsy

Celiac Disease


Colon Cancer

Colon Polyps- Life Insurance After Colon Polyps

Coronary Bypass- Life Insurance after Coronary Bypass

Coronary Thrombosis

Crohn's Disease-Life Insurance with Crohn’s Disease


Depression- Life Insurance with Depression

Diabetes (Type 1 Diabetes)

Diabetes (Type 2 Diabetes)

Digestive Tract Diseases

Dilated Cardiomyopathy​ - Life Insurance with Dilated Cardiomyopathy

Diving History- Life Insurance with Bad driving History​

DUI- Life Insurance After DUI


Eating Disorder - Life Insurance After With Eating Disorder History


Family History-Cancer

Family History-Heart Disease


GERD- Life Insurance with GERD

Gastric bypass Surgery - Life insurance after Gastric Bypass Surgery

Gout- Life Insurance with Gout

Grave's Disease- Life Insurance with Grave's Disease​


Hepatitis C

Heart Attack- Life Insurance after a Heart Attack

High Blood Pressure- Life Insurance with high Blood Pressure

High Cholesterol- Life Insurance with high Cholesterol

Hyperthyroidism- Life Insurance with Hyperthyroidism

Hypertrophic Cardiomyopathy- Life insurance with Hypertrophic Cardiomyopathy​



Inflammatory Bowel Disease

Irregular Heartbeat


Keratinocyte Cancer


LupusLife Insurance with Lupus


Marijuana Use


Multiple Sclerosis

Myocardial Infarction- Life insurance after Myocardial Infarction





Prostate Cancer


Restrictive Cardiomyopathy- Life Insurance with Restrictive Cardiomyopathy

Rheumatoid Arthritis- Life Insurance with Rheumatoid Arthritis


S.A.D. – Life insurance with Seasonal Affective Disorder

Skin Cancer

Sleep Apnea- Life Insurance with Sleep Apnea

Squamous Cell Skin Cancer

Stroke - Life Insurance After Stroke


Tachycardia- Life Insurance with Tachycardia Arrhythmia

Thyroid Disease

Tobacco Use - Life insurance for a smoker




Ventricular Arrhythmia- Life Insurance with Ventricular Arrhythmia

Ventricular Tachycardia- Life Insurance with Ventricular Tachycardia


Weight Loss Surgery- Life Insurance After Weight Loss Surgery

James Tobin, CFP

Jim Tobin is the owner of Life Insurance Help Desk, a Fairfield County, CT. life insurance agency. You can find him on Google + and Facebook. Over the past 10 years, Jim has used his CFP-financial planning designation to help individuals with their life insurance needs. In addition to working with life insurance clients, Jim teaches ESL classes in his spare time. He resides with his beautiful wife Nicole and the 3 cats that rule their lives..