As our visiting life insurance agent explained at our last Q&A member session, obtaining life insurance coverage while sick or after an illness can be difficult and expensive.
It all depends on the type of sickness and medical condition you may have.
Some conditions like the following, make it real difficult to be insured:
But, like with everything, there are exceptions.
For example, you may have had cancer, but now are cancer-free and your prognostic is very good. In this case life insurance companies will most likely cover you.
Another big factor underwriters look at, is your age and health condition.
For example, if you had an illness, but continue to abuse your body, by smoking, over drinking, over heating, etc. The insurance companies may not want to insure you, or you won't be eligible for the best policies and affordable rates.