🎯 Bottom Line Up Front Can you get life insurance with heart palpitations? YES. Most people with palpitations can obtain standard life insurance rates once proper cardiac evaluation rules out serious arrhythmias. Benign palpitations with normal testing typically qualify for standard rates, while complex arrhythmias may require specialized underwriting but remain insurable. From a life […] Read more

🎯 Bottom Line Up Front Can you get life insurance with otosclerosis? YES. Most people with otosclerosis can obtain standard life insurance rates. This hearing condition doesn’t affect life expectancy and is generally viewed favorably by insurance companies. Even those requiring surgical treatment typically qualify for standard rates once recovery is complete. From a life […] Read more

🎯 Bottom Line Up Front Can you get life insurance with Strattera use? YES. Most Strattera users can qualify for life insurance, often at standard or even preferred rates, especially since Strattera is a non-stimulant medication viewed more favorably than stimulant ADHD treatments. From an insurance perspective, Strattera use is generally viewed much more favorably […] Read more

Receiving a polycythemia diagnosis, whether through a routine blood test showing high red blood cell counts or through experiencing symptoms like fatigue and headaches, can make securing life insurance seem challenging. Terms like myeloproliferative neoplasms, phlebotomy, or JAK2 mutations may feel overwhelming and cause you to start worrying about your family’s financial future. The good […] Read more

🎯 Bottom Line Up Front Can you get life insurance with quadriplegia? LIMITED. Traditional life insurance is extremely challenging for quadriplegia cases due to significant mortality risk factors. However, specialized products, group coverage, and guaranteed issue policies may provide limited options. Coverage availability depends on injury level, stability, complications, and overall health status. Quadriplegia, also […] Read more

A Sjogren’s syndrome diagnosis, marked by symptoms like dry eyes and mouth, often raises concerns about securing life insurance. As an autoimmune disease, it fuels fears that applications will face high premiums or denials, especially with conflicting advice or online misinformation. Yet, well-managed Sjogren’s doesn’t rule out coverage. Sure, underwriting may be stricter, but options […] Read more

🎯 Bottom Line Up Front Can you get life insurance with spina bifida? DEPENDS. Mild spina bifida occulta often qualifies for standard rates, while myelomeningocele requires specialized underwriting but remains insurable. Coverage depends on spina bifida type, severity, complications, functional status, and overall health management. Most cases find appropriate coverage with proper application strategy. Spina […] Read more

🎯 Bottom Line Up Front Can you get life insurance with scoliosis? YES. Most people with scoliosis can obtain life insurance at standard or near-standard rates, especially with mild to moderate curves. The key factors are your curve severity (Cobb angle), treatment history, and any functional limitations. Even severe scoliosis cases can typically secure coverage, […] Read more

A scleroderma or CREST syndrome diagnosis creates immediate concerns about securing life insurance protection for your family’s financial future, especially when well-meaning friends suggest that autoimmune conditions make coverage impossible. Fortunately for those with this diagnosis, the reality of the situation proves to be far more nuanced, with multiple coverage pathways available depending on your […] Read more