Life Insurance with Health Conditions: 2026 Underwriting Guide

Use this directory to find underwriting guidance for specific diagnoses and medical histories. Choose the guide that most closely matches your situation, then compare recommendations with your budget and coverage goals.

Autoimmune

• Autoimmune Conditions
• Psoriasis

Blood Genetic

• Blood and Genetic Conditions
• Anemia
• Aplastic Anemia
• Gilbert's Syndrome

Cancer Tumors

• Cancer and Tumors
• Benign Tumor
• Brain Cancer
• Pancreatic Cancer

Cardiovascular

• Heart and Cardiovascular Conditions: A through R
• Heart and Cardiovascular Conditions: R through W
• Aortic Aneurysm
• Heart Catheterization
• Heart Murmur

Diabetes Metabolic

• Diabetes and Metabolic Conditions
• Hashimoto's Thyroiditis
• Hypothyroidism
• Thyroid Disease

Gastrointestinal

• Gastrointestinal Conditions
• Stomach Ulcer

Kidney Liver

• Kidney and Liver Conditions
• Hepatitis A
• Liver Biopsy
• Liver Cyst

Mental Health Substance

• Mental Health and Substance Use
• ADHD
• Anxiety
• Depression

Neurological

• Neurological Conditions
• Chronic Migraine
• Dementia
• Restless Leg Syndrome

Other Conditions

• Other Health Conditions: A through C
• Other Health Conditions: C through G
• Other Health Conditions: G through L
• Other Health Conditions: L through P
• Other Health Conditions: P through S
• Other Health Conditions: S through U
• Other Health Conditions: U through X

Respiratory

• Respiratory Conditions
• Asthma
• Sleep Apnea

Surgery Recovery

• Surgery and Recovery
• Back Surgery
• Shoulder Surgery

Compare coverage for your situation

General educational information cannot account for every insurer’s underwriting rules. A personalized comparison can help you evaluate available coverage, pricing, and policy features.

Availability, eligibility, and pricing vary by state, insurer, age, health, occupation, and policy design.