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Yes, you can get life insurance with bipolar disorder. Many insurers now offer term life and guaranteed issue policies to people with well-managed bipolar conditions. Your rates and approval depend on diagnosis type, treatment stability, medication compliance, and hospitalization history. Working with an independent agent who understands high-risk underwriting gives you the best chance at affordable coverage.

Getting life insurance when you have bipolar disorder can feel overwhelming. You might wonder if any company will approve you, or if the cost will be out of reach. The good news is that the insurance industry has come a long way in understanding mental health conditions. Today, many people living with bipolar disorder qualify for high-risk life insurance coverage, and some even get standard rates.

This guide walks you through how insurers evaluate bipolar disorder, what rating class you can expect, your coverage options, and practical steps to improve your chances of getting approved.

Can You Get Life Insurance with Bipolar Disorder?

Yes. People with bipolar disorder can get life insurance. This wasn’t always the case. Years ago, most insurers grouped all mental health conditions together and denied applications outright. Advances in treatment and a better understanding of the disorder have changed that.

Today, many insurance companies recognize that bipolar disorder is a manageable condition. If your symptoms are stable and you’re following a treatment plan, you have real options for coverage.

One thing that matters a lot during underwriting is whether you have bipolar I or bipolar II. These are different conditions with different risk profiles, and the best insurers know the difference.

Bipolar I involves manic episodes that can be severe, sometimes requiring hospitalization. Depressive episodes are common too, but the manic episodes are what define this type.

Bipolar II involves hypomanic episodes, which are less intense than full mania, along with major depressive episodes. Insurers generally view bipolar II as lower risk than bipolar I.

Companies that distinguish between bipolar I and bipolar II in their underwriting tend to offer better rates. If an insurer lumps both types together, that’s a sign they may not understand the condition well enough to give you a fair evaluation.

How Underwriters Evaluate Bipolar Disorder

When you apply for life insurance, the underwriter will review your medical records and ask detailed questions about your condition. They want to understand how well your bipolar disorder is managed and what level of risk you represent.

Here’s what underwriters typically want to know:

Diagnosis type: Bipolar I or bipolar II
When you were diagnosed: How long you’ve been living with the condition
Current treatment plan: Whether you’re seeing a psychiatrist or therapist regularly
Medication compliance: What medications you take and whether you’ve been consistent
Medication changes: Whether dosages have been adjusted recently
Hospitalization history: Any psychiatric hospitalizations and how recently they occurred
Suicide attempts or ideation: Any history of suicide attempts or suicidal thoughts
Substance use: Whether you use drugs or alcohol, since these can complicate bipolar disorder
Ability to function: Whether you can maintain employment and live independently

The more stable your condition, the better your outcome. Insurers are looking for a clear pattern of treatment compliance and stability over time, not perfection. They understand that managing bipolar disorder is an ongoing process.

Rating Classes for Bipolar Disorder

Life insurance companies place applicants into rating classes based on their risk level. Your rating class directly affects your premium. Here’s a general breakdown of how bipolar disorder is typically classified:

Severity
Profile
Likely Rating Class

Mild
Stable on medication, no antipsychotics or MAO inhibitors, no suicide attempts or ideation in 3+ years, able to work and live independently
Standard rates

Moderate
Medication dosage changes in the past 12 months, no suicide ideation in past 6 months, some functional limitations
Table-rated (25-75% above standard)

Severe
Use of MAO inhibitors, frequent medication changes, recent hospitalization, history of suicide attempts, substance abuse issues
Decline or guaranteed issue only

These are general guidelines. Every insurance company has its own underwriting criteria, and some are more favorable toward mental health conditions than others. That’s why working with an agent who knows which companies are most accommodating makes a big difference.

Types of Life Insurance Available

Your coverage options depend on the severity of your condition and how well it’s managed. Here are the main types to consider.

Term life insurance is the most affordable option and provides coverage for a set period, usually 10, 20, or 30 years. If your bipolar disorder is mild and well-controlled, you may qualify for a traditional term policy at standard or slightly elevated rates. This is the best-case scenario for most applicants.

Guaranteed issue life insurance doesn’t require a medical exam or health questions. This means your bipolar disorder won’t be a factor in the approval process. The tradeoff is that coverage amounts are lower (typically $5,000 to $25,000), premiums are higher, and most policies include a graded death benefit. That means if you pass away within the first two to three years, your beneficiaries receive a return of premiums paid plus interest rather than the full death benefit.

Graded benefit policies are similar to guaranteed issue but may include a few health questions. They offer a middle ground for people who can’t qualify for traditional coverage but want more options than a pure guaranteed issue policy.

For many people with bipolar disorder, the best path forward is starting with a traditional application. If that doesn’t work out, guaranteed issue provides a safety net so you’re never left without any coverage at all.

Tips to Improve Your Chances of Approval

Getting approved for life insurance with bipolar disorder isn’t just about your diagnosis. It’s about how you present your overall health picture. These steps can help:

Stay consistent with treatment. Underwriters want to see that you’ve been following your treatment plan for at least 12 to 24 months without major changes.
Be completely honest on your application. Failing to disclose your diagnosis can lead to a denied claim later. Insurance companies will request your medical records, so they’ll find out either way.
Apply when you’re stable. Timing matters. Don’t apply right after a medication change, hospitalization, or crisis. Wait until you have a solid period of stability.
Gather your medical records in advance. Having your treatment history organized can speed up the underwriting process and show insurers that your condition is well-documented and managed.
Work with an independent agent. An independent agent can shop your application across multiple carriers to find the ones most likely to approve you at the best rates. Not all insurers evaluate bipolar disorder the same way, and an experienced agent knows which companies to approach first.

What If You’re Denied Coverage?

A denial isn’t the end of the road. You still have options.

Guaranteed issue life insurance is available regardless of your health history. As mentioned above, it comes with limitations, but it provides a baseline of coverage that can help with final expenses and other costs.

Group life insurance through your employer is another option. Group policies typically don’t require individual medical underwriting, which means your bipolar disorder won’t affect your eligibility. The coverage amounts may be limited, but it’s worth taking advantage of if it’s available to you.

Reapplying later is also a possibility. If your condition stabilizes over time, you may qualify for a traditional policy down the road. Some insurers want to see six months to a year of stability after a follow-up visit before making an offer. If you were denied, ask your agent what the insurer would need to see before reconsidering.

The key takeaway here is that coverage exists for virtually everyone. The type and cost of that coverage will vary based on your individual situation, but you don’t have to go without protection for your family.

Yes, you can get life insurance with anxiety. Most people with well-managed anxiety qualify for standard or even preferred rates. The key factors insurers evaluate are your treatment consistency, medication stability, and whether you’ve had any hospitalizations. An independent agent can help you find the carriers most friendly to anxiety applicants.

About 40 million adults in the United States deal with an anxiety disorder each year, according to the Anxiety and Depression Association of America (ADAA). That makes it the most common mental health condition in the country. If you’re one of them, you might be wondering whether anxiety will keep you from getting life insurance.

Here’s the short answer: it won’t. Most people with anxiety get approved for life insurance every day. In many cases, the rates aren’t much different from someone without an anxiety diagnosis.

The key is understanding what insurers care about, how to present your situation, and which companies are the best fit. This guide walks you through all of it.

How Anxiety Affects Life Insurance

Life insurance companies don’t see anxiety as a single condition. They look at it on a spectrum. Someone with mild, well-controlled generalized anxiety is viewed very differently from someone with severe panic disorder and frequent hospitalizations.

For most applicants, a managed anxiety diagnosis has little to no impact on rates. Insurance companies are far more concerned with how well you’re managing the condition than the diagnosis itself. If you’re seeing your doctor regularly, your medication has been stable, and you’re functioning well in daily life, you’re in a strong position.

Where things get more complicated is when anxiety is severe, untreated, or paired with other conditions. Frequent medication changes, missed work, or a history of hospitalization will raise flags during underwriting. But even in those situations, coverage is usually available through high-risk life insurance options. It just might come at a higher rate or through a different type of policy.

What Underwriters Look At

When you apply for life insurance with an anxiety diagnosis, underwriters evaluate several specific factors. Knowing what they’re looking for helps you prepare.

Type of anxiety disorder. Generalized anxiety disorder (GAD) is the most common and typically the easiest to insure. Social anxiety, panic disorder, and OCD each have their own underwriting guidelines. The more specific you can be about your diagnosis, the better.
Treatment history. Are you taking medication? Which ones, and for how long? Are you seeing a therapist? Underwriters want to see that you’re actively managing your condition. Consistent treatment works in your favor.
Medication stability. If you’ve been on the same medication and dosage for a year or more, that’s a positive signal. Frequent changes suggest the condition isn’t fully controlled yet.
Hospitalization history. This is a big factor. A hospitalization from 10 years ago is viewed very differently than one from last year. If you’ve never been hospitalized for anxiety, that works strongly in your favor.
Work disruptions. Missing significant time from work due to anxiety in the past 12 months is a concern for underwriters. Disability claims related to anxiety also receive closer review.
Suicide attempt history. Insurers will ask about this directly. A history of attempts, even years ago, changes the underwriting picture significantly.
Co-existing conditions. Having anxiety along with depression, bipolar disorder, or substance use means more careful review. It doesn’t mean you can’t get coverage, but the evaluation takes longer.

Life Insurance Rate Classes for Anxiety

Life insurance companies assign you to a rate class based on your overall risk. Here’s how anxiety typically fits into each class.

Rate Class
Typical Anxiety Profile

Preferred Plus / Preferred
Mild anxiety, stable medication for 2+ years, no hospitalizations, no work disruptions. Some carriers offer this to well-managed applicants.

Standard
Moderate anxiety, stable treatment for 1+ year, no recent hospitalizations. This is where most anxiety applicants land.

Standard Plus Table Rating
Anxiety with recent medication changes, mild work impact, or a secondary diagnosis like mild depression.

Table Rated (1-4)
More complex cases with recent hospitalization, multiple medications, or co-existing conditions. Premiums increase 25% or more per table.

Decline / Postpone
Active untreated anxiety, recent hospitalization, recent suicide attempt, or currently on disability for anxiety. Coverage may be available through guaranteed issue.

Your specific rate depends on the full picture of your health, not just the anxiety diagnosis alone. Two people with GAD can land in completely different rate classes based on how well the condition is managed.

Types of Life Insurance Available

Most types of life insurance are open to people with anxiety. Your options depend on the severity of your condition and how it’s managed.

Term life insurance is the most common choice. It covers you for a set period (10, 20, or 30 years) at a locked-in rate. Most anxiety applicants qualify for term coverage, especially if the condition is stable. This is typically the most affordable option and the best fit for families who need solid coverage at a reasonable price.

No medical exam life insurance uses simplified underwriting, meaning no blood draw or physical. You’ll still answer health questions, including about anxiety and medications. These policies can work well for applicants who want a faster process or have mild to moderate anxiety.

Final expense insurance is a smaller whole life policy designed to cover burial and end-of-life costs. Many final expense carriers use simplified or guaranteed issue underwriting, which can be a good path for applicants with more severe anxiety or those who’ve been declined elsewhere.

Guaranteed issue life insurance doesn’t ask any health questions at all. You can’t be turned down. The trade-off is smaller coverage amounts (usually $5,000 to $25,000) and higher premiums. This is a last-resort option, but it’s there if you need it.

Tips to Get the Best Rates

Getting approved at the best possible rate takes a little preparation. These steps can make a real difference.

Stabilize your treatment first. If you recently changed medications or started a new treatment plan, wait until things are stable for at least 6 to 12 months before applying. Underwriters reward consistency.

Gather your medical records. Having your treatment history organized and ready speeds up the process. Know the names, dosages, and dates for all your medications. Have your doctor’s contact information handy.

Be completely honest on the application. Insurers check your medical records, prescription databases, and the Medical Information Bureau (MIB). Incomplete or inaccurate information can delay your application or result in a denial. Full disclosure actually works in your favor because it lets underwriters see the complete picture.

Work with an independent agent. This is the biggest advantage you can give yourself. Different insurance companies evaluate anxiety very differently. One carrier might offer you standard rates while another postpones your application entirely. An independent agent can shop your case across multiple carriers and find the one that treats your situation most favorably.

Don’t apply to just one company. If your first application is declined or rated higher than expected, don’t give up. Another carrier may have more favorable underwriting guidelines for anxiety. This is another reason working with an independent agent matters.

Yes, you can get life insurance with a pre-existing condition. Options include traditional term life with medical underwriting, simplified issue policies with no exam, and guaranteed issue plans with no health questions. Your approval and rates depend on condition type, how well it’s managed, and which insurer you apply with.

About 3 in 4 American adults have at least one chronic condition, according to the CDC. If that includes you, here’s the good news: a pre-existing condition doesn’t automatically disqualify you from getting life insurance.

It can make the process more complicated. You might pay higher premiums or need to explore different policy types. But the right coverage is out there, and in many cases it’s more affordable than you’d expect.

This guide walks you through what insurers look for, the types of policies available, and how to give yourself the best shot at approval.

What Counts as a Pre-Existing Condition?

A pre-existing condition is any health issue you’ve been diagnosed with, treated for, or received medical advice about before applying for life insurance. Some conditions carry more underwriting risk than others.

Common pre-existing conditions include:

Diabetes (Type 1 and Type 2)
Heart disease (including history of heart attack, bypass surgery, or stents)
Cancer (approval often depends on type, stage, and how long you’ve been in remission)
High blood pressure and high cholesterol
Asthma and COPD
Mental health conditions (depression, anxiety, bipolar disorder, PTSD)
Autoimmune disorders (lupus, rheumatoid arthritis, multiple sclerosis)
HIV
Obesity
Sleep apnea

This isn’t a complete list. Every insurer evaluates conditions differently. A condition that gets you declined at one company may be approved at standard rates with another. That’s why shopping around matters.

How Insurers Evaluate Pre-Existing Conditions

When you apply for life insurance, the insurer’s underwriting team reviews your health to determine your risk level. They assign you a rate class that affects your premium. Here’s what they’re looking at.

Type of condition. Heart disease and cancer carry more risk than controlled high blood pressure or mild asthma.
Time since diagnosis. The longer you’ve been stable, the better your chances. Many cancer survivors can qualify after 2-5 years in remission.
How well it’s managed. Insurers want to see that you’re following your treatment plan, taking prescribed medications, and attending regular checkups.
Current health markers. Blood pressure readings, A1C levels for diabetics, cholesterol numbers, and BMI all factor in.
Lifestyle choices. Smoking, alcohol use, and lack of exercise can compound the risk of any pre-existing condition.

Most insurers group applicants into rate classes. Preferred rates go to the healthiest applicants. Standard rates are the baseline. If your condition adds risk, you may receive a substandard (also called “table”) rating, which means higher premiums.

A substandard rating isn’t a rejection. It just means the insurer sees additional risk. And the difference between a substandard rating at one company and a standard rating at another can be significant.

One important thing to know: if you already have a life insurance policy and develop a health condition later, it won’t affect your existing coverage. Your premiums stay the same for the life of that policy.

Life Insurance Options for Pre-Existing Conditions

You have several paths to coverage depending on your health situation. Here’s how they compare:

Feature
Traditional Term Life
Simplified Issue
Guaranteed Issue

Medical exam required
Yes
No
No

Health questions
Detailed application
Limited questionnaire
None

Coverage amounts
Up to $1 million+
Typically $5,000-$500,000
Usually up to $25,000

Premiums
Lowest (if approved)
Moderate
Highest per dollar of coverage

Approval speed
2-6 weeks
Days to 2 weeks
Immediate to a few days

Best for
Well-managed conditions
Moderate health concerns
Serious conditions or multiple declines

Waiting period
None
Usually none
Typically 2-3 year graded benefit period

Traditional term life gives you the most coverage for the lowest cost. If your condition is well-managed and you have solid medical documentation, this is worth trying first. Each insurer underwrites differently, so a decline from one doesn’t mean you’ll be declined everywhere.

Simplified issue policies skip the medical exam and ask only a short list of health questions. Premiums are higher than fully underwritten policies, but this is a strong option if you want coverage without the hassle of bloodwork and exams. Learn more about no-medical-exam life insurance options.

Guaranteed issue policies accept every applicant regardless of health history. No exam, no health questions. The trade-off is higher premiums, lower coverage limits (typically $25,000 or less), and a graded benefit period. During the graded period (usually 2-3 years), if the insured passes away from natural causes, beneficiaries receive a return of premiums paid plus interest rather than the full death benefit. After the graded period, full benefits apply.

Group life insurance through your employer is another option. Most group plans don’t require medical underwriting, so your health conditions won’t be a factor. Coverage amounts are limited and the policy typically ends when you leave the job, but it can provide a baseline of protection.

Tips to Improve Your Approval Chances

Getting approved with a pre-existing condition often comes down to showing insurers you’re a good risk. Here are practical steps that make a real difference.

Follow your treatment plan. This is the single most important thing you can do. Take your medications as prescribed, keep all your doctor appointments, and follow through on recommended screenings. Insurers review your medical records, and consistent treatment shows you’re managing your condition.

Get your numbers in line. If you have diabetes, work with your doctor to keep your A1C in a healthy range. For high blood pressure or cholesterol, consistent readings within target levels signal that your condition is controlled.

Quit smoking. Tobacco use on top of a chronic condition dramatically increases your premiums. Most insurers classify you as a non-smoker after 12 months without tobacco, and your rates drop significantly.

Maintain a healthy weight. BMI is a factor in underwriting. Even modest weight loss can move you into a better rate class.

Don’t wait. Life insurance premiums increase with age. On average, rates for people with pre-existing conditions go up 8-10% per year. The best time to apply is when your condition is stable and well-documented.

Be honest on your application. Never omit or misrepresent a health condition. If an insurer discovers undisclosed conditions during the two-year contestability period, they can deny the claim entirely. Full disclosure protects your family.

Why Work With an Independent Broker

Not all insurance companies evaluate health conditions the same way. One insurer might decline you for a history of depression while another offers standard rates. One might be strict on diabetes but flexible on controlled high blood pressure.

That’s where an independent broker makes the difference. Unlike captive agents who represent one company, an independent broker can shop your application across dozens of carriers to find the best fit for your specific health situation. This is especially important for high-risk life insurance cases where the right carrier match matters most.

At Best Life Quote, we work with 30+ carriers and specialize in helping people with pre-existing conditions find affordable coverage. With over 30 years of experience and CLU credentials, we know which companies are most favorable for specific conditions, and we handle the comparison so you don’t have to.

Yes, you can get life insurance with rheumatoid arthritis. Your approval and rates depend on how well your RA is controlled, what medications you take, and whether you have joint damage or disability. People with mild, well-managed RA often qualify for standard or slightly rated term life policies. Those with severe RA still have options through no-exam and guaranteed issue coverage.

Rheumatoid arthritis affects roughly 1.3 million adults in the United States. It’s the most common autoimmune form of arthritis, and it’s very different from the “wear and tear” joint pain that comes with aging.

If you’ve been diagnosed with RA, you might assume life insurance is off the table. It’s not. Most people with rheumatoid arthritis can get approved for coverage. The real question is what type of policy you’ll qualify for and how much you’ll pay.

That depends on a few key factors: the severity of your condition, your medications, and your overall health. This guide breaks down exactly what underwriters look for, what to expect during the application process, and which coverage options make the most sense based on your situation.

How Rheumatoid Arthritis Affects Life Insurance Underwriting

Rheumatoid arthritis is an autoimmune disease. Your immune system attacks the lining of your joints, causing inflammation, pain, and potential damage over time. This is fundamentally different from osteoarthritis, which is caused by physical wear on cartilage and bone.

That distinction matters to life insurance underwriters. Osteoarthritis is common and rarely affects life expectancy. RA, on the other hand, is a systemic condition. It can affect your lungs, heart, eyes, and other organs beyond your joints. Underwriters pay close attention to how RA is progressing and how it’s being managed.

If you’re unfamiliar with how insurers evaluate medical conditions, our guide to high-risk life insurance explains the basics. For RA specifically, here’s what they evaluate:

Date of diagnosis and treatment history. Longer treatment histories give underwriters more data to assess stability.
Current medications. The type and intensity of your drug regimen signals severity to the insurance company.
Flare-up frequency. Frequent flare-ups suggest the condition isn’t well controlled and increase the risk of joint damage.
Joint deformity or disability. Any loss of function in your hands, wrists, knees, or feet raises concerns.
Organ involvement. If RA has affected your lungs, heart, or eyes, underwriters view this as a more serious risk.
Overall health. Other conditions like diabetes, high blood pressure, or obesity are evaluated alongside your RA.

Your rheumatologist’s records play a big role here. Regular checkups and documented treatment compliance work in your favor.

Three Approval Scenarios for RA Applicants

Insurance companies generally place RA applicants into one of three categories. Where you fall depends on how your condition has progressed and how it’s being treated.

Scenario
Criteria
What It Means for You

Standard Approval
Well-controlled RA with mild medications (NSAIDs), minimal flare-ups, no joint deformity, no organ involvement, regular rheumatologist visits
You’ll pay rates similar to someone without RA, or very close to it

Rated Approval
Long-term treatment with DMARDs or biologics, mild deformity, occasional flare-ups, or mild disability
You’ll be approved but with a premium surcharge, typically 25% to 200% above standard rates

Decline
Severe RA with major joint deformity, organ involvement, inability to perform daily tasks, or total disability
Standard coverage is typically unavailable, but no-exam and guaranteed issue options exist

Most RA applicants fall into the standard or rated categories. A decline usually only happens when the condition has significantly affected your ability to live independently.

How RA Medications Affect Your Rates

Your medication list tells underwriters a lot about how serious your RA is. Not all drugs carry the same weight in the underwriting process.

Over-the-counter and mild medications like aspirin, ibuprofen, and other NSAIDs have minimal impact on your rates. These signal that your RA is being managed conservatively, which is a positive sign.

DMARDs and biologics are where things shift. Drugs like methotrexate or biologics such as Humira and Enbrel are effective treatments, but they suppress your immune system. That creates additional health risks that underwriters factor into their decision. If you’re on these medications, expect a rated approval with higher premiums. That said, being on treatment is better than untreated RA in the eyes of an underwriter.

Corticosteroids like prednisone are another flag. Long-term steroid use comes with its own set of health risks, including bone loss, weight gain, and increased infection risk. Underwriters take this into account.

One important point: never stop or change your medication to try to get better insurance rates. Underwriters will review your full prescription history and medical records. Untreated or poorly managed RA is a bigger red flag than any medication.

Coverage Options Based on RA Severity

The right type of life insurance depends on where your RA falls on the severity spectrum.

Mild, well-controlled RA. You’re a strong candidate for a fully underwritten term life insurance policy. This is the most affordable option, and you’ll go through a standard application process that includes a medical exam. With good overall health and stable RA, you may qualify for standard or near-standard rates.

Moderate RA. Term life is still possible, but you’ll likely receive a rated policy with higher premiums. Working with an independent agent is important here because carriers vary widely in how they underwrite RA. Some companies are more favorable toward autoimmune conditions than others.

Severe RA or disability. If you’ve been declined for traditional coverage, you still have options. Simplified issue policies use a health questionnaire instead of a medical exam. Your answers and prescription history determine approval. Guaranteed issue whole life insurance is another path. There are no health questions and no medical exam. Most guaranteed issue policies are available to adults between ages 45 and 85, though age ranges vary by carrier. You can’t be turned down. Coverage amounts are typically $5,000 to $25,000, making it well-suited for covering funeral costs and final expenses.

One thing to know about guaranteed issue policies: most include a 2-3 year graded death benefit period. If death occurs from natural causes during this window, beneficiaries typically receive a return of premiums paid plus interest rather than the full death benefit. After the waiting period ends, the full benefit applies.

These final expense policies are a specialty of ours at Best Life Quote. We work with multiple carriers that offer guaranteed issue and simplified issue coverage, so we can match you with the best option for your specific situation.

Tips to Get the Best Rates with Rheumatoid Arthritis

Getting approved is one thing. Getting the best possible rate takes a bit more strategy.

Stay consistent with treatment. Regular rheumatologist visits and documented medication compliance show underwriters your condition is stable.
Work with an independent agent. Different carriers have very different guidelines for RA. An independent agent can shop your application across dozens of companies to find the most favorable underwriting.
Apply when your RA is stable. If you’re in the middle of a flare-up or recently changed medications, it may be worth waiting a few months for your condition to stabilize.
Get your medical records in order. Make sure your doctor’s notes accurately reflect your current condition. Outdated or incomplete records can lead to a worse rating.
Be honest on your application. Failing to disclose your RA diagnosis is considered non-disclosure. If discovered, your policy could be voided and your family’s claim denied.
Consider multiple policy types. Some people combine a smaller fully underwritten term policy with a guaranteed issue policy to maximize their total coverage.

Frequently Asked Questions

Can you get life insurance with rheumatoid arthritis?

Does RA medication affect life insurance rates?

What if my RA application gets declined?

Do I need to disclose RA on a life insurance application?

Can I get term life insurance with rheumatoid arthritis?

What’s the best type of life insurance for someone with severe RA?

Key Takeaways

Most people with rheumatoid arthritis can get approved for life insurance. Your rates depend on severity, medications, and overall health.
Underwriters evaluate your diagnosis date, treatment history, flare-up frequency, joint damage, and any organ involvement.
Well-controlled RA with mild medications often qualifies for standard or near-standard term life rates. More aggressive treatments typically result in rated policies with higher premiums.
If you’re declined for traditional coverage, guaranteed issue and simplified issue policies provide backup options with no medical exam required.
Working with an independent agent gives you access to multiple carriers with different RA underwriting guidelines, improving your chances of finding the best rate.

Yes, you can get life insurance with bipolar disorder. Many carriers now offer term life and final expense policies to people with managed bipolar conditions. Your approval and rate class depend on your diagnosis type (Bipolar 1 vs. 2), treatment stability, medication history, and overall health.

If you’ve been diagnosed with bipolar disorder, you might assume life insurance is off the table. It’s not. Plenty of people with bipolar disorder get approved for coverage every day.

That said, the process isn’t the same as it is for someone without a mental health history. Insurance companies will look closely at your diagnosis, treatment, and overall stability. The good news? If you know what underwriters care about, you can put yourself in the best position for approval at a fair rate.

We’ve spent 30 years helping people with health challenges find the right life insurance. According to the National Institute of Mental Health (NIMH), about 2.8% of U.S. adults experience bipolar disorder in any given year. That’s millions of Americans, and many of them carry life insurance right now. In this guide, we’ll walk you through what to expect, what underwriters look at, and how to improve your chances of getting approved.

Can You Get Life Insurance with Bipolar Disorder?

Yes. Bipolar disorder does not automatically disqualify you from life insurance.

Years ago, most insurance companies would decline applicants with any mental health diagnosis. That’s changed. Medical advances and a better understanding of bipolar disorder have opened up more options. Today, many carriers offer both term life and permanent policies to people living with this condition.

The key factor isn’t the diagnosis itself. It’s how well managed your condition is. An applicant with stable bipolar disorder who follows a consistent treatment plan is a very different risk profile than someone with frequent hospitalizations or medication changes.

Bipolar 1 vs. Bipolar 2: How Insurers See the Difference

Not all bipolar diagnoses are treated the same by life insurance companies. The two main types carry different risk profiles in underwriting.

Bipolar 1 involves at least one manic episode, often severe enough to require hospitalization. There may or may not be depressive episodes. Because manic episodes can involve psychosis or dangerous behavior, underwriters consider Bipolar 1 the higher-risk diagnosis.

Bipolar 2 involves hypomanic episodes, which are less severe and shorter in duration than full manic episodes. Bipolar 2 also typically includes depressive episodes. From an underwriting standpoint, Bipolar 2 is generally easier to insure.

Here’s an important tip: look for insurance companies that distinguish between Bipolar 1 and Bipolar 2. Carriers that separate the two into different categories tend to understand the condition better and offer more accurate pricing. Companies that lump them together often charge higher rates across the board.

What Underwriters Look At

When you apply for life insurance with bipolar disorder, the underwriter will request your medical records and evaluate several key factors:

Diagnosis type and severity – Bipolar 1 vs. Bipolar 2, and whether your condition is classified as mild, moderate, or severe
Medication stability – Consistent medication with no recent dosage changes is a positive signal
Hospitalization history – Recent psychiatric hospitalizations (especially within the last 2-3 years) are a red flag for underwriters
Suicide attempt history – Any history of suicide attempts will significantly impact your application
Work and daily functioning – Maintaining steady employment and daily routines shows stability
Substance use history – Drug or alcohol issues combined with bipolar disorder increase risk in the eyes of insurers
Other health conditions – Additional medical conditions compound your overall risk assessment

Be honest on your application. Insurance companies verify information through the Medical Information Bureau (MIB) and your medical records. Incomplete or false information can lead to claim denial or policy cancellation down the road. If you’re also dealing with depression alongside bipolar disorder, that’s important to disclose as well.

How Bipolar Severity Affects Your Rate Class

Underwriters generally classify bipolar disorder into three severity levels. Each level leads to a different rate class and premium outcome. According to NIMH data, about 83% of adults with bipolar disorder experience serious impairment in daily functioning, the highest rate among all mood disorders. That’s why underwriters pay close attention to how well your condition is managed.

Severity
Typical Profile
Likely Rate Class

Mild
Stable on medication, no hospitalizations, no suicide attempts, no lost work time, good support network
Standard (base rates)

Moderate
Medication dosage changes within past 12 months, possible lost work time (under 1 month), no recent hospitalizations or suicide attempts (2-3 years)
Substandard/Table Rating (25-50% above standard)

Severe
Multiple hospitalizations, suicide attempts, antipsychotic medications, significant lost work time, unstable treatment
Decline or Guaranteed Issue only

Keep in mind that these are general guidelines. Every insurance company has its own underwriting criteria, and results can vary from one carrier to the next. That’s why working with an independent broker who knows which companies are most favorable to bipolar applicants makes a real difference.

Types of Life Insurance Available

Term life insurance is usually the best option for people with mild to moderate bipolar disorder. It’s the most affordable type of coverage and provides protection for a set number of years, like 10, 20, or 30. You’ll go through full medical underwriting, which means the insurance company will review your health records. If your condition is stable and well-managed, this is where you’ll find the best rates.

Guaranteed issue life insurance is designed for people who can’t qualify for traditionally underwritten policies. There are no health questions and no medical exam. The trade-off is higher premiums and a graded death benefit, which means the full payout doesn’t kick in until you’ve had the policy for 2-3 years. This can be a good option for people with severe bipolar disorder or those who’ve been declined elsewhere.

Final expense insurance is a type of simplified whole life insurance designed to cover funeral and burial costs. For seniors with bipolar disorder who need modest coverage (typically $5,000 to $25,000), final expense policies offer a more accessible path to approval. Some final expense carriers have more lenient underwriting for mental health conditions.

Tips to Improve Your Approval Chances

Getting approved for life insurance with bipolar disorder isn’t just about your diagnosis. How you prepare and apply matters too.

Maintain treatment stability. The single most important factor is a stable treatment history. Underwriters want to see consistent medication, regular doctor visits, and no recent changes to your treatment plan. A track record of 2-3 years of stability makes a strong case.

Get your medical records in order. Before you apply, make sure your records are up to date and accurately reflect your current condition. If your psychiatrist has reduced your medication or noted improvement, ensure that’s documented.

Work with an independent broker. This one is critical. An independent broker who specializes in high-risk life insurance has access to multiple insurance companies and knows which carriers are most favorable to applicants with mental health histories. Applying directly to the wrong company can result in a decline, which then gets recorded in your MIB file and makes future applications harder.

Don’t apply to multiple companies at once. Each application triggers a record. Multiple declines on your MIB report can hurt your chances with other carriers. Let a broker shop your case to find the right fit before submitting a formal application.

Be completely honest. Don’t hide your diagnosis or minimize your history. Underwriters will pull your medical records and prescription history. If they find discrepancies, it can lead to a decline or, worse, a denied claim when your family needs it most.

Frequently Asked Questions

Can bipolar disorder disqualify you from life insurance?

Do you have to disclose bipolar disorder on a life insurance application?

Does bipolar medication affect life insurance rates?

Can you get term life insurance with bipolar disorder?

What happens if you’re denied life insurance because of bipolar disorder?

Will my rates go down if my bipolar disorder stabilizes over time?

Key Takeaways

Bipolar disorder does not automatically disqualify you from life insurance. Many people with managed conditions get approved.
Bipolar 2 is generally easier to insure than Bipolar 1. Look for carriers that distinguish between the two types.
Treatment stability is the most important factor. Consistent medication, no recent hospitalizations, and steady daily functioning lead to better outcomes.
Work with an independent broker who understands high-risk underwriting. Applying to the wrong carrier can lead to unnecessary declines that hurt future applications.
Guaranteed issue and final expense policies provide backup options if you can’t qualify for traditional term life coverage.

Getting declined for life insurance is more common than you’d think. The most frequent reasons include pre-existing health conditions, obesity, tobacco or drug use, DUIs, and criminal history. Being turned down by one company doesn’t mean you’re uninsurable. An independent agent can match you with carriers that specialize in higher-risk applicants.

Getting a life insurance decline letter is frustrating. You’re trying to do the right thing for your family, and the answer comes back “no.” It can feel like you’re out of options.

You’re not. We talk to people every week who’ve been turned down. In most cases, they applied with the wrong company for their situation. Different carriers have very different underwriting guidelines, and what gets you declined at one company might get you approved at another.

Here are the 10 most common reasons people get declined for life insurance, and what you can do about each one.

10 Reasons You Could Be Declined for Life Insurance
1. Pre-Existing Health Conditions

Health problems are the number one reason people get turned down for life insurance. Conditions like heart disease, cancer, diabetes, high blood pressure, and high cholesterol all raise red flags during underwriting.

That said, the type of condition and how well it’s managed make a big difference. Someone with well-controlled Type 2 diabetes on oral medication is in a very different position than someone with uncontrolled blood sugar and complications. The same goes for cancer survivors. A person who’s been in remission for five years has far better options than someone currently in treatment.

The key is knowing which carriers are more lenient with your specific condition. Some companies specialize in certain health risks, and an experienced high-risk life insurance agent can point you in the right direction.

2. Obesity or Build Chart Issues

This one surprises a lot of people. Every life insurance company uses what’s called a “build chart” to evaluate your height-to-weight ratio. If your BMI falls outside their acceptable range, you can be declined.

The tricky part is that build charts vary from company to company. You might be over the limit at one carrier and perfectly fine at another. With the CDC reporting an adult obesity rate of about 40% in the U.S., this affects a huge number of applicants. If your weight caused a decline, don’t assume you’re stuck. There are carriers with more generous build charts that may approve you at standard or table-rated premiums.

3. Tobacco and Drug Use

Smoking cigarettes won’t get you declined for life insurance. It will cost you more, often 2 to 3 times what a non-smoker pays, but carriers expect a certain percentage of their applicants to be smokers. You’ll still get approved.

Drug use is a different story. Admitted or confirmed use of hard drugs like cocaine, heroin, or methamphetamines is typically an automatic decline. Marijuana is the exception. Some carriers are fine with occasional marijuana use and will still offer coverage at reasonable rates. If you use marijuana, the key is applying with a company that has favorable guidelines for it.

If you have a history of hard drug use but have been clean for three or more years and are in good overall health, many carriers will reconsider your application.

4. Alcohol Abuse

A glass of wine with dinner won’t affect your application. A history of alcohol abuse will. Insurance companies look at your medical records and lab results during underwriting. Elevated liver enzymes, specifically GGT and CDT levels, can signal heavy drinking even if you don’t disclose it.

If you’ve completed treatment and have been sober for two or more years with clean lab work, you can get approved. The key is applying with a carrier that has favorable guidelines for applicants with a history of alcohol use. Timing matters here, and so does choosing the right company.

5. Mental Health and Prescription History

This is one of the fastest-growing reasons for life insurance declines, and many applicants don’t see it coming. Insurance companies now access electronic prescription databases that show your full medication history. Certain prescriptions, especially those used to treat severe mental health conditions, can trigger an automatic decline at some carriers.

That doesn’t mean you can’t get coverage. It means carrier selection is critical. Some companies are far more understanding of mental health treatment than others. Working with an agent who knows which carriers to approach makes all the difference.

6. DUI or Poor Driving Record

Your driving record tells insurance companies a lot about risk. A single DUI from a few years ago is usually workable, though you’ll likely pay a higher premium. Multiple DUIs in the past ten years, or three or more over your lifetime, will result in a decline at most companies.

It’s not just DUIs, either. A pattern of speeding tickets, reckless driving charges, or at-fault accidents can put you in the high-risk category. The good news is that time helps. As violations age and fall off your record, your options improve.

7. Dangerous Hobbies or Occupation

If you skydive, rock climb, scuba dive, or fly private aircraft, insurance companies see you as a higher risk. The same goes for certain jobs. Commercial fishing, logging, roofing, mining, and other high-risk occupations can lead to higher premiums or a decline.

Some carriers handle this by adding a “flat extra” charge to your premium rather than declining you outright. Others won’t touch certain activities or occupations at all. Knowing which companies are more flexible with your specific hobby or job is the key to getting approved.

8. Criminal Record

A criminal record doesn’t automatically disqualify you from life insurance, but it does complicate things. Insurance companies look at the type of offense, how long ago it happened, and whether you’ve completed probation or parole.

A single misdemeanor or a non-violent felony from years ago with a clean record since? You’ll likely find a carrier willing to approve you. Multiple felony convictions or recent offenses are much harder. Most traditional carriers will decline, but there are still options through simplified issue or guaranteed issue policies.

9. Financial Problems or Bankruptcy

Life insurance companies don’t just look at your health. They also evaluate whether the amount of coverage you’re requesting makes financial sense. If you ask for 40 times your annual income without a clear justification, that’s a red flag.

Bankruptcy is another common trigger. If you’ve filed Chapter 7, most carriers want to see at least one year since your discharge before they’ll consider your application. Chapters 11, 12, and 13 may offer more flexibility, since you’re actively making payments on your debts. Each company has its own guidelines here, so the right carrier match matters.

10. Lying on Your Application

This might be the most avoidable reason on the list. If you misrepresent your health, smoking status, driving record, or anything else on your application, the insurance company will likely find out. Carriers subscribe to the Medical Information Bureau (MIB), which tracks your past life insurance applications and any red flags from previous underwriting.

Getting caught in a lie can get your application denied on the spot. Worse, if a misrepresentation is discovered after a policy is issued, the company can void your coverage during the two-year contestability period. Always be honest on your application. A good agent can find the right carrier for your real situation.

What to Do If You’ve Been Declined

A decline from one company is not a final answer. Here’s what to do next.

Get your decline letter. It will explain the specific reason you were turned down. This information is essential for figuring out your next move.

Request your lab results. If health was the issue, ask for copies of the medical exam results. Sometimes errors happen, and you’ll want to verify the findings with your own doctor.

Check your MIB report. The Medical Information Bureau keeps records of your past applications for seven years. If there’s incorrect information on file, you can dispute it. You can request your MIB report for free once per year.

Work with an independent agent. We can help. This is the most important step. Independent agents aren’t locked into one company. They work with dozens of carriers and know which ones are more flexible for your specific situation. What gets you declined at Company A might get you approved at Company B.

Consider no-medical-exam options. If traditional underwriting isn’t working, simplified issue policies skip the medical exam and ask just a few health questions. No-medical-exam life insurance can be a great alternative. Guaranteed issue policies accept everyone regardless of health, though they come with a waiting period and lower coverage amounts.

Life insurance typically costs between $20 and $50 a month for a healthy adult buying term coverage. Your exact rate depends on your age, health, policy type, and coverage amount. Final expense insurance for seniors runs higher, usually $30 to $80 a month, because it covers older applicants without a medical exam.

Most people think life insurance costs way more than it actually does. According to the 2025 Insurance Barometer Study from LIMRA and Life Happens, the youngest and healthiest adults overestimate the cost of a term life policy by 7 to 12 times its actual price. That’s a massive gap between what people assume and what they’d actually pay.

The truth is, life insurance can fit into almost any budget. A healthy 30-year-old can get $250,000 in term life coverage for less than a streaming subscription. The cost depends on a few key factors, and understanding them puts you in control of what you’ll pay.

This guide breaks down what life insurance really costs, how rates change by age, and what you can do to lock in the best price.

What Does Life Insurance Actually Cost?

There’s no single answer because life insurance pricing is based on your individual profile. But here are some general ranges to give you a starting point.

Term life insurance is the most affordable option. For a healthy adult in their 30s, a 20-year policy with $250,000 in coverage typically costs between $20 and $35 a month. That’s the most common type of policy sold in the U.S., and it’s what most families use to protect their income.

Final expense insurance, which is a type of whole life policy designed for seniors, costs more per dollar of coverage. That’s because it covers older applicants and doesn’t require a medical exam. Monthly premiums for final expense policies generally range from $30 to $80 depending on your age and coverage amount.

The bottom line: life insurance is more affordable than most people expect, especially if you apply while you’re younger and in good health.

Life Insurance Cost by Age

Age is the single biggest factor in what you’ll pay. Every year you wait, your premiums go up. That’s because insurance companies base their rates on life expectancy, and the older you are, the higher the risk.

Here’s a general look at how monthly rates change by age for both term life and final expense policies.

Age
Term Life (20-Year, $250K)
Final Expense ($15K-$25K)

30
$15-$25/month
N/A

40
$25-$40/month
N/A

50
$50-$90/month
$30-$50/month

55
$75-$130/month
$40-$65/month

60
$120-$200/month
$50-$80/month

65
$180-$300+/month
$60-$100/month

70
Limited availability
$75-$130/month

Rates are estimates for non-tobacco users. Actual quotes vary by health, gender, and carrier.

The takeaway here is simple. Locking in a policy at a younger age can save you a significant amount over the life of your coverage. A 30-year-old pays a fraction of what a 50-year-old pays for the same term policy.

6 Factors That Affect Your Life Insurance Rates

Your premium isn’t random. Insurance companies use a specific set of factors to calculate your rate. Here are the six that matter most.

Age. The younger you are when you apply, the less you’ll pay. Rates increase each year as mortality risk rises.
Health and medical history. Conditions like diabetes, heart disease, or high blood pressure can raise your premiums. Insurers review your medical records and may require a health exam.
Tobacco use. Smokers pay significantly more, often two to three times the rate of a non-smoker. Most companies require you to be tobacco-free for at least 12 months to qualify for non-smoker rates.
Policy type and coverage amount. Term life costs less than permanent policies like whole life or final expense. And the more coverage you buy, the higher your premium.
Term length. A 10-year term costs less than a 20-year or 30-year term. Longer coverage periods mean more risk for the insurance company.
Gender. Women generally pay less than men for the same coverage. This is because women have a longer average life expectancy.

Some of these factors are out of your control. But others, like quitting tobacco or applying at a younger age, can make a real difference in what you pay.

Term Life vs. Final Expense: Cost Differences

Best Life Quote specializes in two types of life insurance, and they serve very different needs at very different price points.

Term life insurance is the most affordable way to get a large amount of coverage. It lasts for a set period, usually 10, 20, or 30 years, and pays a death benefit if you pass away during that term. There’s no cash value component, which is why it costs so much less. This is the go-to option for working families who need income replacement, mortgage protection, or coverage while kids are growing up.

Final expense insurance is a smaller whole life policy designed to cover end-of-life costs like funeral expenses, medical bills, and other debts. Coverage amounts are typically between $5,000 and $25,000. Because it’s permanent coverage with no medical exam required, the cost per dollar of coverage is higher than term. It’s built for seniors, typically ages 50 to 85, who want to make sure their family isn’t stuck with burial costs. If you’re over 50, explore your affordable life insurance options for those over 50.

The right choice depends on your stage of life and what you’re trying to protect. If you’re under 60 and need substantial coverage, term life is almost always the better value. If you’re a senior focused on covering funeral costs, final expense insurance is designed for exactly that.

How to Get the Best Life Insurance Rates

You don’t have to settle for the first quote you see. A few smart moves can help you lock in a better rate.

Apply while you’re young and healthy. This is the most effective thing you can do. A policy you buy at 30 will always be cheaper than one you buy at 50, even if your health stays the same.

Quit tobacco. If you currently smoke or use nicotine products, quitting now can dramatically lower your premiums. Most carriers require 12 months tobacco-free to offer non-smoker rates.

Compare quotes from multiple carriers. Every insurance company weighs risk factors differently. One carrier might give you preferred rates while another offers standard. Working with an independent agent means you’re not locked into a single company’s pricing. You can start by reviewing the best life insurance companies to see which carriers fit your needs.

Don’t overbuy or underbuy. Getting the right coverage amount keeps your premiums in check. A common guideline is 10 to 15 times your annual income for term life, but your actual needs depend on your debts, dependents, and financial goals.

Skip guaranteed issue if you can qualify for underwriting. Guaranteed issue policies accept everyone regardless of health, but they come with higher premiums and lower coverage. If you can answer health questions or take a medical exam, you’ll get a much better rate.

Yes, you can get life insurance with kidney disease. Your options depend on your CKD stage and overall health. People with early-stage kidney disease (stages 1-2) often qualify for traditional term life or whole life policies at standard or mildly rated premiums. Those with advanced kidney disease or on dialysis are typically limited to guaranteed issue coverage.

About 35.5 million Americans, roughly 1 in 7 adults, are living with chronic kidney disease. If you’re one of them, you’ve probably wondered whether you can still get life insurance to protect your family. The good news is that a kidney disease diagnosis doesn’t automatically disqualify you from coverage.

Your options will depend on several factors, including your CKD stage, kidney function test results, and how well your condition is managed. Some people with kidney disease qualify for traditional policies at competitive rates. Others may need specialized coverage designed for higher-risk applicants.

This guide breaks down how insurers evaluate kidney disease, what coverage is available at each stage, and what you can do to get the best possible rates.

How Kidney Disease Affects Life Insurance Approval

Life insurance underwriters look closely at kidney disease because it can signal other serious health risks like heart disease, stroke, and diabetes. But “kidney disease” covers a wide range of conditions, from mild, early-stage damage to complete kidney failure. Underwriters treat each situation differently.

Here’s what insurance companies typically evaluate when you apply.

Kidney Function Tests

Your estimated Glomerular Filtration Rate (eGFR) is the most important number. It measures how well your kidneys filter waste from your blood. A higher eGFR means healthier kidneys and better chances of affordable coverage. Underwriters also review your serum creatinine levels and Blood Urea Nitrogen (BUN) to assess kidney function.

CKD Stage and Stability

Insurers want to see where your kidney disease falls on the five-stage scale and whether it’s stable, improving, or getting worse. A stable condition with consistent lab results over 12 months or more is a much better sign than a rapidly declining eGFR.

Underlying Cause

The root cause of your kidney disease matters. High blood pressure and diabetes are the two most common causes of CKD, and both are conditions underwriters already evaluate on their own. Having multiple health issues together increases your risk profile.

Medications and Treatment

Insurers review your current medications, treatment plan, and whether you’re following your doctor’s recommendations. Consistent treatment compliance works in your favor during underwriting.

Life Insurance Options by CKD Stage

Your CKD stage is the biggest factor in determining what type of coverage you can get and how much you’ll pay. Here’s a general breakdown of what to expect.

CKD Stage
eGFR Range
What to Expect

Stage 1 (mild damage, kidneys work well)
90 or above
Standard to mildly rated policies. Many applicants don’t even know they have CKD at this stage. Traditional term and whole life policies are available.

Stage 2 (mild loss of function)
60-89
Standard to moderately rated. Underwriters look for stable numbers over time. If your eGFR has held steady for a year or more, you’ll likely get reasonable rates.

Stage 3A
45-59
Table rated, typically Table 2 to Table 4. Coverage is available but premiums will be higher than standard. Stability is key.

Stage 3B
30-44
Table rated, typically Table 4 to Table 6. Fewer carriers will offer coverage, and an independent broker can help find the best options.

Stage 4 (severe loss of function)
15-29
Heavily rated or postponed by most carriers. Some specialized insurers may offer substandard policies. Simplified issue may be an option.

Stage 5 / Dialysis
Below 15
Traditional life insurance is generally not available. Guaranteed issue life insurance is typically the only option. Coverage amounts are smaller (usually $5,000-$25,000) with higher premiums and a 2-year waiting period before full benefits.

These are general guidelines. Every insurance carrier evaluates kidney disease differently, and an experienced broker can often find options you wouldn’t discover on your own.

What About Kidney Transplant Recipients?

If you’ve received a kidney transplant, life insurance is usually available about one year after surgery. Insurers want to see that your body has accepted the new kidney and that you’re in stable health without major complications.

During underwriting, carriers will look at whether your transplant came from a living or deceased donor. Living-donor transplants, especially from a relative, tend to receive more favorable ratings. They’ll also review your post-transplant lab results, any episodes of organ rejection, and your current medication regimen.

The best-case scenario for transplant recipients is typically a Table 8 rating, sometimes slightly better for living-relative donor transplants. That means higher premiums than a healthy applicant, but it’s still meaningful coverage.

If you have additional health complications alongside the transplant, like heart disease or diabetes, your options may be limited to guaranteed issue coverage.

Kidney Stones, PKD, and Kidney Donation

Not all kidney conditions carry the same underwriting weight. Here are a few common situations and how they typically affect your application.

Kidney stones that happen once or rarely are usually not a problem. Insurers may not add any extra rating at all. Repeated kidney stones raise more concern because they could point to an underlying condition. Expect underwriters to dig deeper into your medical records.

Polycystic kidney disease (PKD) is a genetic condition where cysts grow on the kidneys. It can eventually lead to CKD or kidney failure. Underwriters typically assign table ratings based on your current kidney function, age, and the type of PKD (dominant vs. recessive). If you have a family history of PKD but haven’t been diagnosed yourself, insurers may still add a rating unless you can provide test results showing you don’t have the condition.

Kidney donors are viewed very favorably. Donating a kidney doesn’t significantly affect life expectancy, and most donors qualify for preferred rates after full recovery. This is one of the few kidney-related situations where you won’t face higher premiums.

Tips to Improve Your Approval Chances

Getting life insurance with kidney disease takes some strategy. These steps can help you get better rates and avoid unnecessary denials.

Work with an independent broker. An independent agent has access to multiple carriers, including those that specialize in high-risk life insurance cases. This is critical because underwriting guidelines vary widely from one company to the next.
Gather your medical records upfront. Have your most recent lab results, including eGFR, creatinine, and BUN levels, ready before you apply. Complete records speed up the process and prevent surprises.
Show treatment compliance. Insurers reward applicants who follow their doctor’s treatment plan, take medications as prescribed, and attend regular checkups. Gaps in care are red flags.
Be honest on your application. Failing to disclose your kidney disease can result in a denied claim later. Full transparency is always the better approach.
Apply to the right carriers. Not every insurance company handles kidney disease the same way. Some are far more lenient with CKD applicants than others. Your broker should know which ones to target.

Yes, you can get life insurance with Crohn’s disease. Most insurers won’t automatically deny you based on the diagnosis alone. Your rates and coverage options depend on disease severity, how well it’s managed, and how long it’s been since your last flare-up. People with mild, well-controlled Crohn’s can often qualify for standard or near-standard rates through the right carrier.

If you’ve been diagnosed with Crohn’s disease, you might think life insurance is off the table. That’s a common fear, but it’s not the reality. Most people with Crohn’s can get life insurance. The key is understanding how insurers look at your condition and knowing where to apply.

Over 1 million Americans are living with Crohn’s disease, according to a study published in Gastroenterology and led by the Crohn’s & Colitis Foundation. That’s a lot of people who need coverage to protect their families. The good news is that insurance companies have gotten better at underwriting chronic conditions like Crohn’s. They’re not looking at the diagnosis in isolation. They want to know how it affects your day-to-day life.

This guide walks you through how Crohn’s impacts your life insurance options, what underwriters look for, and how to get the best rates possible.

How Crohn’s Disease Affects Life Insurance

Crohn’s disease is a chronic inflammatory bowel disease (IBD) that causes inflammation in the digestive tract. It’s a pre-existing condition, and yes, it will come up during the underwriting process. But a Crohn’s diagnosis alone won’t disqualify you from coverage.

Life insurance companies care more about how your condition behaves than the fact that you have it. They want to see stability. If your Crohn’s is well-managed with minimal flare-ups and you’re following your doctor’s treatment plan, many carriers will offer you a policy.

That said, not every insurance company looks at Crohn’s the same way. Some carriers are much more favorable toward IBD conditions than others. This is why working with an independent agent who knows which companies specialize in high-risk underwriting makes a big difference.

What Underwriters Look At

When you apply for life insurance with Crohn’s disease, underwriters dig into your medical history to assess risk. Here’s what they’re evaluating:

Date of diagnosis and your age when you were first diagnosed
Flare-up frequency and how recently your last episode occurred
Medications you’re currently taking and how well they’re controlling symptoms
Surgical history, including any bowel resections or colectomy
Colonoscopy results, especially any signs of dysplasia or complications
Hospitalizations related to Crohn’s in the past several years
Overall health, including weight stability, other conditions, and whether you smoke

The longer you’ve been stable and symptom-free, the better your application looks. Most insurance companies want to see at least 12 months since your last flare-up before they’ll consider a standard application. If you’ve gone 5 or more years without symptoms, some carriers may offer rates close to what a healthy applicant would pay.

On the flip side, a flare-up within the past 12 months or recent surgery will likely result in a postponement or higher rating.

Rate Classifications by Crohn’s Severity

Insurance companies classify Crohn’s disease into severity levels, and each level corresponds to a different rate class. Here’s a general breakdown of what to expect:

Crohn’s Severity
Typical Characteristics
Expected Rate Class

Mild
Rare flare-ups (every 2-3+ years), minimal or no medication, no hospitalizations or surgery
Standard to Table 2

Moderate
Occasional flare-ups, managed with prescription medication, no recent surgery or hospitalization
Table 2 to Table 4

Severe
Frequent flare-ups, biologics or steroids required, history of surgery or hospitalization
Table 4 to Table 8 (or decline)

A “table rating” means you’ll pay more than someone with no health issues. Each table adds roughly 25% to the standard premium. So a Table 2 rating means you’d pay about 50% more than the standard rate, while Table 4 means about 100% more.

Keep in mind, these are general guidelines. Every carrier has its own underwriting manual, and the right agent can find the company that views your specific situation most favorably.

Types of Life Insurance Available

Your Crohn’s severity largely determines which types of policies you can qualify for. Here are your main options:

Term Life Insurance

This is the most affordable option and works well if your Crohn’s is mild to moderate and well-controlled. Term policies provide coverage for a set period, typically 10 to 30 years. If you’ve been stable for a few years with no major complications, term life is likely your best bet.

Simplified Issue Life Insurance

These policies skip the full medical exam and ask a shorter health questionnaire instead. They’re a good fit for people with moderate Crohn’s who might not qualify for traditional underwriting. Coverage amounts are typically lower, and premiums are higher than fully underwritten term policies.

Guaranteed Issue Life Insurance

If your Crohn’s is severe or you’ve been declined by other carriers, guaranteed issue policies don’t require a medical exam or health questions. Everyone who applies within the eligible age range (typically 45-85) gets approved. The tradeoff is smaller coverage amounts, higher premiums, and a graded benefit period during the first two to three years.

Final Expense Insurance

For seniors with Crohn’s disease, final expense policies offer coverage amounts between $5,000 and $25,000 to cover burial costs and end-of-life expenses. These policies have more lenient underwriting and can be a practical solution when traditional coverage isn’t available.

Tips to Get Better Rates

Getting approved is one thing. Getting the best rate possible takes a little strategy. These tips can help:

Work with an independent agent. An independent agent isn’t tied to one company. They can shop your case with multiple carriers to find the one that’s most favorable for Crohn’s disease. This is probably the single most important step you can take.
Apply during remission. Timing matters. If you’ve been flare-free for at least 12 months, your chances of a better rate class go up significantly.
Don’t apply to multiple companies at the same time. Each formal application that results in a decline or table rating shows up in the MIB (Medical Information Bureau) database. Too many can hurt future applications. Let your agent do informal pre-screens first.
Have your medical records organized. Gather your diagnosis date, medication list, colonoscopy results, and treatment history before you start. Complete records speed up underwriting and show insurers you’re proactive about managing your condition.
Share lifestyle details. Underwriters only see what’s in your medical records and application. If you’ve made dietary changes, exercise regularly, or take other steps to manage your Crohn’s, make sure your agent includes that information.
Be completely honest. Misrepresenting your health on an application can void your policy down the road. Full disclosure protects you and your family.