Is it possible for someone with a disability or chronic illness to apply for life insurance? And if so, should they? The short answer to both questions is, it depends. Currently, in Singapore there is no regulation that requires insurance companies to insure people with pre-existing conditions. Although there are MediShield Life and some other insurance products that are specifically designed for people with pre-existing conditions. However, those are not life insurance policies.
All applications for life insurance will go through an underwriting process, it is during this process that an