Individuals with pre-existing medical conditions can still obtain life insurance, although the process may be more challenging. Life insurance companies typically assess the risk associated with pre-existing conditions and may adjust the coverage and premiums accordingly. It's important to disclose all relevant medical information during the application process to ensure transparency. Some individuals with severe pre-existing conditions may be considered uninsurable by traditional life insurance providers, but there are specialized insurance options available, such as guaranteed issue life insurance or simplified issue life insurance, which have less stringent medical requirements. These policies may have limitations and higher premiums, but they can provide coverage for individuals who may otherwise struggle to obtain traditional life insurance. It's advisable to consult with insurance professionals or brokers who can help navigate the options available for individuals with pre-existing conditions and find the most suitable coverage. Additionally, some employers offer group life insurance benefits that may not require medical underwriting, making it another potential avenue for obtaining life insurance coverage despite pre-existing conditions.