Life Insurance With Health Issues in Connecticut: How to Get Approved

Life Insurance With Health Issues in Connecticut

Short Answer

Most people with health issues can still get life insurance. Well-controlled conditions like high blood pressure, high cholesterol or type 2 diabetes often qualify for standard rates or a modest table rating. Recent or serious conditions may lead to a postponement or decline with one insurer and an approval with another, which is why comparing insurers matters most. If traditional coverage isn't available, simplified issue, guaranteed issue and group coverage are fallbacks.

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At a glance
Outcome	What it means	Next step
Standard or better	Approved at normal rates	Compare offers
Table rating	Approved with a surcharge	Ask about reconsideration later
Postponed	Insurer wants time to pass	Reapply after the waiting period
Declined	Not offered by this insurer	Try others, simplified or guaranteed issue

At a glance

Outcome

What it means

Next step

Standard or better

Approved at normal rates

Compare offers

Table rating

Approved with a surcharge

Ask about reconsideration later

Postponed

Insurer wants time to pass

Reapply after the waiting period

Declined

Not offered by this insurer

Try others, simplified or guaranteed issue

How Do Insurers Look at a Health Condition?

Underwriters care about how well a condition is controlled, how long ago it was diagnosed, and whether there are complications. A decade of stable, treated blood pressure is very different from a recent diagnosis with uncontrolled readings. Your medications, recent test results and your doctor's notes tell that story, so have them ready.

What Are Your Options, From Best Price to Last Resort?

Fully underwritten coverage through several insurers. Each has different rules for each condition, so the right insurer can mean a much better class.
Group coverage at work. Often requires no health questions up to a limit at enrollment. See employer provided life insurance.
Simplified issue. A short questionnaire, no exam, smaller amounts.
Guaranteed issue. No health questions and no exam, with a two- to three-year waiting period. See no medical exam options.

Questions about life insurance with health issues? A licensed Connecticut agent can answer them and compare insurers for you, free.

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Can You Improve Your Rate Over Time?

If you're rated or postponed, keep up treatment and follow-ups. After six to twelve months of good readings, many insurers will reconsider a table rating on an existing policy or approve a new application. Losing weight or quitting nicotine can also move you up a class.

Why Should You Be Completely Honest?

Insurers verify health answers against prescription databases and medical records. Leaving something out doesn't make it disappear. It only gives the insurer grounds to deny a claim during the contestability period. For specific situations, see life insurance for cancer patients and life insurance for smokers.

How Do You Apply With Health Issues in Connecticut?

An independent Connecticut agent can send an anonymous pre-screen to several insurers before you apply, so you know who is likely to approve you and avoid a string of declines. Ask for this before any formal application.

Questions People Ask

Can I Get Life Insurance If I Have Diabetes?

Often, yes. Insurers look at your A1C, how long you've had diabetes, complications and treatment. Well-controlled type 2 diabetes frequently qualifies for standard or near-standard rates.

Does Being Declined Once Hurt Future Applications?

A decline is recorded in the Medical Information Bureau file, and other insurers may ask about it. Pre-screening with an agent before applying helps avoid unnecessary declines.