How do medical complications affect life insurance costs and options?

Medical history is extremely important and can impact the pricing and availability of life insurance. That said, insurance companies are pretty transparent about the different cases with the underwriting department to understand what to expect and whether it makes sense to apply. As long as the client is upfront and honest, the insurance company will do its best to make an offer. That said, they tend to be less generous when medical history is discovered during the underwriting process.