Many Boise residents believe health conditions automatically disqualify them from life insurance. In reality, that’s rarely true.

👉 For a full breakdown of policy options, see our Best Life Insurance Options in Boise for 2026 guide.

Common Health Conditions That Still Qualify

• High blood pressure

• Diabetes

• Heart history

• High BMI

• Past cancer history

Approval depends on severity, stability, and management, not just diagnosis.

Policy Options That Work Best

Simplified Issue Life Insurance

• Limited health questions

• No medical exam

• Faster approval

Guaranteed Issue Life Insurance

• No health questions

• Higher cost

• Coverage guaranteed

Why Local Boise Guidance Matters

Idaho carriers vary widely in underwriting. Working with a local agent often results in better outcomes and fewer declines.

Final Thought

Health conditions don’t eliminate options — they change which options make sense.