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Life insurance provides a lump sum payout at the time of a person’s death. There are all kinds of policies to think about. Each one is more or less fitting to a person’s unique situation.

Life insurance covers many causes of death, including death from disease. It is important to keep in mind that every policy and every insurance company is different.

If a person has specific medical conditions or a family history of illnesses, it’s a good idea to shop around. This way, people can find out what companies offer protection for their disease, and who offers the best premiums.

Types of Diseases

 There are four main types of diseases. They include:

  1. Infectious Diseases
  2. Deficiency Diseases
  3. Genetic Diseases (Hereditary and non-hereditary)
  4. Physiological Diseases

The chart below includes some common diseases:

Infectious DiseasesDeficiency DiseasesGenetic DiseasesPhysiological Diseases
ShinglesZincCystic FibrosisAsthma
HIV/AIDSVitamin CSickle Cell DiseaseGlaucoma
CancerIronDown SyndromeIron-Deficiency Anemia
TuberculosisFolateSpinal Muscular AtrophyHemochromatosis
Lyme DiseaseMetabolic DisorderImmunodeficiency

Life insurance policies cover most diseases.

What Is Not Covered in My Life Policy?

There are times when a lump sum will not be paid out. Generally speaking, there are no diseases that are not covered by insurance. However, if any of the following occur, a payout may be rejected:

  • The Insured Gives False Information

Life insurance premiums change from person to person. There are some factors that make a premium cheaper, and some that make them more expensive.

For example, people who are older, who have bad habits, or who live dangerous lives tend to have higher payments. This is because they are deemed “risky” to insurance companies and have to pay for more coverage.

With this in mind, it’s not odd for people to lie about their personal situation when buying a policy. By lying, they may be able to get lower, cheaper premiums.

This might seem smart at first. However, if insurance companies think that the information given was fake, they may reject the lump sum payout.

For example: If a smoker says they don’t smoke, and they die of a smoke-related disease like Cancer, then the insurance company may be able to deny their policy.

When it comes to signing up for life insurance, it is strongly recommended that people are honest. Although it might mean higher premiums, it will ensure that their payments will be worth something in the end.

In this case, some diseases may not be covered, if they are the cause of a hazardous habit that was not claimed in the policy.

Affordable Insurance with a Disease

Piggy Bank Money

Millions of Canadians suffer from diseases on a daily basis. In fact, Canadian cancer statistics show that more than 200,000 Canadians will be diagnosed with the disease in 2017.

The stats are scary, but that only covers one disease. There are millions of Canadians struggling with diseases on a daily basis. Fortunately, many are still hopeful that life insurance is a beneficial tool for them and their families.

According to the Canadian Life and Health Insurance Association (CLHIA), more than 28 million Canadians had some kind of policy.

Even if someone with potential health problems suspects their coverage will be high, there are ways to find affordable life insurance. Some options include:

  1. Gathering Quotes

Some insurance companies are more affordable than others. It helps to shop around for quotes, in order to find the best protection at the best rate.

Choose from experienced, stable companies and compare their options before deciding. Some may be more flexible when it comes to pre-existing or potential diseases.

  1. Taking Initiative

Some insurance companies appreciate when an individual is actively working to avoid or ease their illness. They might be working out, and eating a healthy diet to calm their symptoms.

This kind of information is helpful to share with insurance companies, as it might lower premiums.

  1. Take a Medical Exam

Some companies insist that their policyholders get a medical exam done. If they refuse, rates are already increased.

Whether sick or healthy, taking a medical exam gives insurance companies everything they need to know. This can help to minimize premiums.

Additional Options


Those who are worried about protection while alive have a few beneficial options to consider. These coverages can come into play if the person or a loved one needs financial help when they are diagnosed. 

Critical Illness Insurance

Individuals who have a family history of a disease might consider Critical Illness Protection. This protection pays a lump sum if the insured or one of their covered family members is diagnosed with a critical illness.

Some of these illnesses include:

Disability Insurance

Hospital Assistance Care

Disability insurance covers people while they are still living and struggling with a disease or illness. The illness stops the person from being able to work and earn their regular income.

With disability, a person will receive payouts that help to relieve the income that they cannot earn while on disability.

Some of the medical conditions that qualify for coverage include:

  • Vision and hearing loss
  • Mental disorders (Schizophrenia, depression, anxiety)
  • Dysfunction of the joints or bones
  • Respiratory illness (Asthma, Cystic fibrosis)
  • Cardiovascular diseases


Life insurance certainly covers death from the disease. Furthermore, everyone should be honest with insurers when starting a policy.

By doing so, the insured will know that their policy will check out, and their loved ones will be taken care of in the future.

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