State Farm Underwriting Guidelines
State Farm Insurance takes a very conservative view when underwriting life insurance policies. If you have a pre-existing condition like multiple sclerosis, Hepatitis C, or Crohn’s disease, for example, you are not likely to get approved. I have even seen cases where people get denied solely due to high cholesterol.
Make sure you shop around and use a licensed independent broker before you buy. Compare State Farm with all the other “A rated companies”. We’re licensed and also specialize in high-risk life insurance. Obtaining application approvals is possible even if you have a pre-existing medical condition (if you apply with the right company).
You can use the instant quote tool that we below to compare life insurance rates from among top companies. Alternatively, you can call us and we would be happy to discuss quotes and answer any questions you have.