Applying for life insurance when you have a history of medical conditions can feel overwhelming. Many people worry they’ll face higher premiums, medical exams, or outright denials, especially if they’ve been told in the past that their health could impact their eligibility.

The good news? Underwriting has evolved significantly over the last decade. Advances in medical science, risk assessment, and underwriting flexibility mean that more people qualify for life insurance today than ever before.

If you have a health history—whether it’s heart disease, diabetes, cancer, or another condition, there are still ways to obtain the coverage you need. The key is understanding how life insurance underwriting works, what factors impact approval, and what steps you can take to improve your chances. Read more HERE.