In general, it is more difficult to obtain a life insurance policy when an individual has pre-existing conditions. However, if an experienced agent is contacted, all documents are gathered, and a health summary (a summary of your health up to this point in time) is created the insurance policy should be easier to acquire. The limits of the policy might be low, but the agent should have some options for you. Additionally, most states offer assistance in these cases; to learn about your state visit the State Guides to Health Insurance section of our health insurance page.