4 Common Criteria Insurance Carriers Consider Before Selling Life Insurance to People with Pre-Existing Conditions

Financial Horizons: Insights for Building Wealth and Securing Your Legacy

By Dr. Jose G. Cardenas, Chief Tax Strategist at The C & R Group, LLC

Securing life insurance can be more complex for individuals with pre-existing medical conditions. Whether you’re dealing with high blood pressure, diabetes, heart disease, or another chronic health concern, understanding how insurance carriers evaluate risk is key to finding affordable and effective coverage.

At The C & R Group, LLC, we leverage Expert Financial Analysis (EFA) and our partnerships with multiple carriers to help clients with pre-existing conditions secure the coverage they need — often while integrating strategies to build wealth and minimize taxes.

Here are four factors carriers typically review before approving a policy.

1. The Severity of the Medical Condition

Carriers assess how serious the condition is and whether it’s well-managed. Conditions under control with regular treatment, such as controlled diabetes or hypertension, often qualify for more favorable rates. On the other hand, advanced or unstable conditions typically result in higher premiums or restricted policy options.

2. Duration and Current Status of the Condition

How long you’ve had the condition — and whether it’s active — significantly affects underwriting decisions. A well-documented history of stable health often leads to better rates. For example, if you had cancer five years ago but have been in remission, your options will typically improve over time.

3. Date of Diagnosis

Timing matters. Conditions diagnosed years ago but well-maintained can present a lower risk to insurers than recent diagnoses. Many carriers look for consistent medical records to determine how effectively the condition has been managed and whether there’s ongoing treatment compliance.

4. Lifestyle Considerations

Your lifestyle plays a major role in your insurability. Risk factors such as smoking, heavy drinking, or a sedentary lifestyle can increase your premiums or limit your coverage options. Conversely, adopting healthier habits — like maintaining a balanced diet, exercising regularly, and attending routine checkups — can improve your rating and reduce costs.

How The C & R Group, LLC Can Help

We specialize in finding creative, customized solutions for clients with complex needs. Using EFA, we:

• Shop across multiple carriers to secure the best rates for your health profile.
• Identify policy structures that provide both coverage and cash value growth.
• Integrate your life insurance into a tax-advantaged wealth-building strategy.
• Offer guidance on how to improve your risk profile to qualify for better premiums.

The Bottom Line
Having a pre-existing condition doesn’t mean life insurance is out of reach. With the right strategy and expert guidance, you can secure coverage that protects your family, supports your financial plan, and builds wealth over time.

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About the Author
Dr. Jose G. Cardenas is a retired U.S. Army Finance Officer and the Chief Tax Strategist at The C & R Group, LLC. With a Doctorate in Business Administration and over 20 years of experience in financial strategy, tax planning, and life insurance, Dr. Cardenas helps individuals and business owners protect their wealth and build a legacy. Learn more at www.thecrgroupllc.com.

📌 Disclosure:
This article is for educational and informational purposes only and is not intended to serve as personalized legal or investment advice. Dr. Jose G. Cardenas, DBA, provides tax advisory services through The C & R Group, LLC. Insurance strategies, including Indexed Universal Life (IUL) and annuity products, may be offered through his role as a licensed financial professional affiliated with Experior Financial Group.