Can You Get Life Insurance If You Are Sick? 
Whether or not you can life insurance while sick depends on some factors . For one thing , if you have not yet been diagnosed as to the cause of your symptoms , most policies will require that you wait to hear the test results before applying . If you do know the cause but have not yet started treatment , you may need to wait to see how you tolerate the treatment , or to see if it has a positive effect on your illness . Chronic health conditions that never go away have a different standard . With diabetes , MS , sleep apnea , hepatitis , and other conditions that are controlled so that the person leads a normal life , many life insurance policies will rate according to the level of control . In every situation , if you live in a state that offers guaranteed issue life insurance , and if you fit the age guidelines for guaranteed issue life insurance , you can get that type of policy regardless of whether you yet have a diagnosis , whether or not your treatment is working , or whether your health is rapidly deteriorating . The price for this type of coverage is relatively high , and the face amount is restricted to a small policy . But in the case of serious illnesses such as advanced cancer , this type of policy fills in where others can not . 