A young Edmonton couple was declined life insurance by two direct insurers due to a pre-existing condition. Their broker found an insurer willing to provide full coverage.
Published January 8, 2026
When Tyler and Megan Ross welcomed their first child, they knew they needed life insurance. However, Tyler had been diagnosed with Type 1 diabetes at age 14 and had been declined by two online insurance applications without explanation.
Prairie Guardian Insurance took the time to understand Tyler's complete health profile. His diabetes was well-managed with an A1C of 6.5%, he exercised regularly, and had no complications. The direct insurers' automated systems had simply flagged the diagnosis and issued a decline.
Our broker prepared a detailed application package including Tyler's medical records, endocrinologist reports, and lifestyle documentation. By submitting this to insurers known for their expertise in diabetic underwriting, we secured offers from three different carriers.
The final policy provided: - $500,000 term life insurance for Tyler (rated, but available) - $500,000 term life insurance for Megan (standard rates) - Critical illness riders for both - Disability income protection
The rated premium for Tyler was 40% more than standard rates, but it was coverage that direct channels had flat-out denied. More importantly, the family now has peace of mind and financial protection for their growing family.
This case illustrates why brokers are essential for anyone with health conditions seeking life insurance. A broker's advocacy and market knowledge can mean the difference between coverage and a decline letter.
“After being declined twice, we thought life insurance was impossible for us. Our broker refused to give up and found us exactly what we needed. Every new parent deserves this kind of advocacy.”
- Client of Prairie Guardian Insurance
$500,000
Impact Value
$1M combined coverage
Coverage Impact
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