{"id":160,"date":"2026-06-30T12:00:00","date_gmt":"2026-06-30T18:00:00","guid":{"rendered":"https:\/\/www.robhillgroup.com\/blog\/?p=160"},"modified":"2026-06-09T17:57:51","modified_gmt":"2026-06-09T23:57:51","slug":"can-you-get-life-insurance-with-a-pre-existing-medical-condition","status":"publish","type":"post","link":"https:\/\/www.robhillgroup.com\/blog\/can-you-get-life-insurance-with-a-pre-existing-medical-condition\/","title":{"rendered":"Can You Get Life Insurance With a Pre-Existing Medical Condition?"},"content":{"rendered":"<p>If you have issues such as heart problems or Type 1 diabetes, you may think you&#8217;ll never be able to buy life insurance in Atlanta, GA. Although some carriers may refuse to issue a policy, others will. Rob Hill Insurance Group can take the stress out of finding a suitable policy for you.<\/p>\n<h2>Underwriters Evaluate Pre-Existing Conditions<\/h2>\n<p>Life insurance carriers don&#8217;t look simply at the name of your diagnosis. Instead, they look at several critical factors when evaluating whether to insure you. These critical factors are:<\/p>\n<ul>\n<li>\n<p>Whether you actively manage your condition by taking prescribed medications, seeing doctors regularly, and maintaining stable lab results<\/p>\n<\/li>\n<li>\n<p>The length of time since the event or diagnosis<\/p>\n<\/li>\n<li>\n<p>Whether the condition is stable, improving or regressive<\/p>\n<\/li>\n<li>\n<p>Impact on overall mortality, especially when combined with various lifestyle factors<\/p>\n<\/li>\n<\/ul>\n<p>Generally, underwriters want to see a stable period of one to five years, depending on the condition, before they offer you a favorable rate. They also evaluate conditions differently. For example, chronic asthma is viewed much differently than obstructive COPD. Using tobacco products and working in a high-risk occupation can also affect your ability to get a policy or a favorable rate.<\/p>\n<h2>Risk Classification<\/h2>\n<p>Most life insurance companies classify risk as preferred\/preferred plus, standard, or substandard. The first category applies only to applicants in excellent health, although some people with well-controlled conditions, such as mild high blood pressure, may still qualify. Most people fall into the standard classification with average health and life expectancy. Well-controlled conditions, such as mild depression or managed cholesterol, are standard risks. If your condition poses a higher risk, your application will be table-rated, meaning you will pay the standard premium plus an extra percentage.<\/p>\n<p>Let Rob Hill Insurance Group find an economical life insurance policy for you. Contact our Atlanta, GA, office to learn how we can help.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you have issues such as heart problems or Type 1 diabetes, you may think you&#8217;ll never be able to buy life insurance in Atlanta, GA. Although some carriers may refuse to issue a policy, others will. Rob Hill Insurance Group can take the stress out of finding a suitable policy for you. Underwriters Evaluate [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[12,13,15,14,6],"class_list":["post-160","post","type-post","status-publish","format-standard","hentry","category-life-insurance","tag-atlanta","tag-ga","tag-insurance","tag-life","tag-rob-hill-insurance-group"],"_links":{"self":[{"href":"https:\/\/www.robhillgroup.com\/blog\/wp-json\/wp\/v2\/posts\/160","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.robhillgroup.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.robhillgroup.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.robhillgroup.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.robhillgroup.com\/blog\/wp-json\/wp\/v2\/comments?post=160"}],"version-history":[{"count":1,"href":"https:\/\/www.robhillgroup.com\/blog\/wp-json\/wp\/v2\/posts\/160\/revisions"}],"predecessor-version":[{"id":161,"href":"https:\/\/www.robhillgroup.com\/blog\/wp-json\/wp\/v2\/posts\/160\/revisions\/161"}],"wp:attachment":[{"href":"https:\/\/www.robhillgroup.com\/blog\/wp-json\/wp\/v2\/media?parent=160"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.robhillgroup.com\/blog\/wp-json\/wp\/v2\/categories?post=160"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.robhillgroup.com\/blog\/wp-json\/wp\/v2\/tags?post=160"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}