Life insurance for Educators with pre-existing conditions

Life insurance for Educators with pre-existing conditions

There’s a wide range of health problems that may count as pre-existing medical conditions. 

Depending on what types of medical problems you face, National Educational Services can match you with a life policy that will provide you the coverage you need for cheap.

To speak with someone directly, fill out the form, and an Educational Consultant will be in touch with you soon!

What Are The Pre-existing Conditions?

According to the U.S. Department of Health & Human Services, a pre-existing condition is a disease or condition you already have before applying for the insurance policy. The pre-existing conditions may affect the pricing of your insurance.

Here is the list of diseases that are typically considered pre-existing conditions:

  • Asthma 
  • Cancer
  • Epilepsy
  • HIV
  • AIDS
  • Depression
  • Diabetes
  • Hypertension
  • GERD 
  • High cholesterol

How to Qualify For Life Insurance With Pre Insurance Conditions?

Having a pre-existing condition does not mean that you do not deserve life insurance, but it could increase your risk of applying for the insurance policy. Here are a few tips if you act on them, you could better qualify for the insurance policy.


  • Listen To Your Doctor’s Advice

If you want to get your insurance with medical complications, you must pay attention to your physician’s advice. Once you are aligned with your treatment protocol, it will increase your quality of life and increase your chances of qualifying for the insurance policy.


  • Exercise Regularly

We often neglect the importance of exercise in our daily life. Especially if you have some underlying disease, a daily exercise for a few minutes can make a huge difference in your quality of life.


Best Type Of Life Insurance Policy With Pre Existing Condition

National Educational Services has a complete set of insurance products offered exclusively to teachers and public school district employees. 

With a life insurance policy from National Educational Services, you don’t have to worry about your loved ones financial stability once you pass. They will be taken care of.

Here is the list of some of the products offered by National Educational Services:


Term life insurance typically covers 30 years of your life, and is the cheapest form of coverage. Term life policies may limit your death benefit if you have a pre existing condition.

Whole life insurance has its perks as it does not end after a period of time. Whether you live for another year or a decade, the whole life insurance will always cover you. 

Learn more about the difference between term and whole life insurance on our blog post “Term vs. Permanent Life Insurance.”


Living With Pre-existing Conditions?

Get Your Life Insurance From National Educational Services

Suppose you are suffering from pre-existing conditions and have faced rejection from other insurance companies.. National Educational Services life Insurance can help you find the best and cheapest policy.

Our expert Life Agents at National Educational Services understand your health concerns.

Have questions about obtaining life insurance with pre-existing conditions? Fill out the form below.

Provide us your contact details, and an expert will get back to you soon!

Contact National Educational Services to learn more about our affordable Life Insurance Options.

Fill out the form below, and we will be in touch with you shortly!

Speak with a Consultant at National Educational Services.

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