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Why contact us? Washington State Earthquake & Flood Insurance, has been providing policies in its nearby cities and all around the area. We work with multiple insurance carriers to ensure you are getting the right and the best policy possible!

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7515 Lake City Way NE, Suite 100

Seattle, WA 98115

Seattle, WA, USA

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Life Insurance in Boise With Health Conditions | What to Know

January 25, 20261 min read

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.


boise life insurance with health conditions

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.


boise life insurance with health conditionsboise life insurance
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