Is There Any Life Insurance That Will Cover Someone With A Stroke And Diabetes? 
That is a great question ! There are a lot of people out there that are afraid that their health issues will keep them from being able to get life insurance . It 's something that sadly keeps many from even looking . I 'm really glad that you were brave enough to find out . There are definitely insurance companies out there that will write a policy for you , do n't worry . The trick is to find the one that will do it the cheapest , and with the best terms . Insurance companies use a `` look back '' period , and they will vary from company to company . I have some I work with that go back 5 years , and some that go back 2 . The severity of the diabetes weighs more heavily with some than others also , -LRB- especially if it was a contributing factor to the stroke , or any other health issue that you might have -RRB- depending upon the type and how it 's regulated . The agent will help you find a policy that will work for you . There are 3 basic categories of insurance - immediate issue -LRB- premier , ultra , etc. -RRB- that allows for the whole death benefit to cover as soon as it 's issued ; a ` graded or modified ' policy will have a period of time where the death benefit is limited -LRB- most often 2-3 years , and usually just what you 've paid in premiums and maybe a little interest -RRB- ; and ` guaranteed issue ' -LRB- also a graded policy , but with no health questions at all , and generally the most expensive , since they cover almost everyone -RRB- . A good independent agent can help you find the best of these for you . I hope that helps - thanks again for asking ! 