A new learning model is transforming life insurance for people with chronic illnesses, offering fairer evaluations, better pricing, and more approvals—even for those once considered high-risk.

Properly managed thyroid disorders, with regular monitoring and stable hormone levels, may possibly allow individuals to obtain life insurance coverage.

Even with well-managed diabetes, individuals can qualify for life insurance by maintaining healthy habits, keeping detailed medical records, and working with insurers, though approval is not guaranteed.