Medical Conditions That Can Get You Declined for Life Insurance

25 November, 2016

Depending on your circumstances, you may consider purchasing life insurance. Life insurance can literally be a life saver for your family in case something happens to you. However, there are some things like certain medical conditions that may get you declined for life insurance or make the premium significantly higher.

Here is a list of medical conditions that make you a high risk life insurance client and how they affect the policy. Some of these can get you declined for life insurance straight away.


Terminal forms of cancer are one of the most common reasons to get you declined for life insurance. However, other forms of cancer, especially at early stages, will only affect the price of your life insurance. Having stage 1 cancer will most likely result in higher premiums, but other stages are likely to get your life insurance application refused.


Most life insurance providers will not insure HIV-positive applicants.

Health Issues and Family History

When you apply for life insurance, the insurance company will ask you to do a medical check. Most companies will also write to your doctor and ask for a report. Having health issues and bad family health history (things like diabetes, heart conditions, and other inherited conditions) can potentially get you declined.


If you have diabetes, some companies may refuse to give you a life insurance policy. Of course, it depends on the type of your diabetes and how severe it is. If you have severe Type I diabetes, then the chances of being denied are quite high, especially if you have any accompanying conditions. However, Type II diabetes and perfectly controlled Type I will only result in a higher premium.

Crohn’s Disease

This bowel condition can prevent you from getting life insurance. A lot of companies will deem it a very high risk to insure you, especially if you experienced any symptoms of Crohn’s in the last 12 months. If you are in remission, some companies may insure you, but the premiums are likely to be sky-high.

Severe Depression

Under normal circumstances, depression should not affect life insurance in any way. However, if you have severe depression and are suicidal, most insurance providers will not risk having you as their client. At the very least, your policy will have limitations and will not cover you in case of suicide or self-afflicted harm.

High Blood Pressure

Some insurance companies will not provide life insurance to people suffering from high blood pressure on a regular basis because the risk of a stroke is too high. Others will accept your applications, but will charge more.

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