I Have Medical Challenges: Can I Still Get Affordable Term Life Insurance Quotes?

Many term life insurance applicants have faced medical challenges and still have been able to find affordable term life insurance quotes. The only way to find out if you can get term life insurance at a rate that works within your budget is to start the application process. At Quotacy, we make sure that our clients are matched with an insurance company that is the most likely to approve their application. We’ll help you get the best rates by advocating for you.

Below are just a few examples of health issues that may not necessarily exclude you from finding term life insurance quotes. Follow the link to learn more about how these conditions impact the application process.

Breast cancer


Traumatic brain injury


Parkinson’s disease

Coronary artery disease

Kidney Disease




Get started by comparing term life insurance quotes side-by-side.

What factors besides my health may impact my term life insurance quotes?

In addition to your age and health, your term life insurance quotes are determined by factors such as your occupation, hobbies, driving record, and smoking status.

Driving Record:

Your driving record presents a snapshot of your safety on the road and has a direct correlation to your mortality risk. Don’t allow a past issue to prevent you from applying for term life insurance. DUIs and speeding tickets can increase your premiums, but if these occurred many years ago, they may not affect it at all.

Smoking History:

Smokers and new non-smokers can still get great rates if they are otherwise healthy and have a low-risk lifestyle and occupation. Every life insurance company weighs smoking status differently, so its best to work with a broker like Quotacy that is capable of making sure your application is presented to a term life insurance company that give you the best rate possible.

» Learn more: Life Insurance Risk Classes for Cigarette Smokers

History of Substance Abuse:

It is possible to get term life insurance if you have overcome a history of substance abuse. Term life insurance underwriters will evaluate:

  • The severity of the substance use and its duration
  • The drugs used
  • The health complications associated with the substance abuse
  • History of relapses and recovery
  • Participation in a group such as Narcotics Anonymous

Do not let a history of substance abuse prevent you from applying for term life insurance. Quotacy has helped families who have experienced all kinds of challenges in becoming insured. Connect with us to learn more.

High-Risk Hobbies

If you’re an adventure traveler or have a hobby that involves some significant physical risk, this can impact your term life insurance quotes. Here are just a few of the hobbies that life insurance companies consider to be risky:

  • Hang gliding
  • Piloting
  • Hot air ballooning
  • Snowboarding
  • Scuba diving (especially to depths over 200 feet)
  • Car racing
  • Boat racing

Participating in these hobbies, however, do not necessarily exclude you from becoming insured.

Dangerous Occupations

It’s important to be honest about the risks of your occupation. Even with a dangerous job, you can still find term life insurance to protect your family. If you work with Quotacy, we will present your application to companies that are experienced in providing insurance to applicants with hazardous professions. If you are your family’s key provider and have a dangerous job, it is of the utmost importance that you get term life insurance as soon as possible.

Not sure how much life insurance you need? Use our anonymous life insurance needs calculator to learn how much term life insurance would make sense for your family.

How Can I Make Sure I Get the Best Term Life Insurance Quotes?

The best way to find the right policy is to compare term life insurance quotes online side-by-side. Using our free, anonymous quotes tool, you can see a range of quotes from America’s leading insurance companies based on your answers to a few quick questions.

» Compare: Term life insurance quotes

Just tell us your age, gender, zip code, and smoking status and we’ll show you your quotes in seconds for coverage amounts that you choose. Answer a few more general questions about your build and health, and we’ll show you a range of customized quotes. You can then apply right online in under five minutes.

At Quotacy, we’ve worked with thousands of applicants and helped them protect their families with more than $2 billion of insurance coverage. We’re committed to helping every family, regardless of their challenges, find the right plan to secure their financial futures. Need insurance for your significant other or spouse? Learn how to get term life insurance quotes for your partner.


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