🎯 Bottom Line Up Front Can you get life insurance with chorea? IT DEPENDS. Rather than being a specific disease, chorea is a symptom that can result from numerous underlying conditions—ranging from benign, self-limited disorders to severe progressive neurological diseases. The most well-known forms include Huntington’s disease, a genetic neurodegenerative condition with profound life expectancy […] Read more
🎯 Bottom Line Up Front Can you get life insurance with a carotid bruit? Yes, in most cases. A carotid bruit is a whooshing sound heard over the carotid arteries that may indicate narrowing or blockage. Insurance approval and rates depend critically on the degree of stenosis (narrowing), whether you’ve experienced symptoms like TIA or […] Read more
🎯 Bottom Line Up Front Can you get life insurance with a urinary tract infection (UTI) history? YES. Simple, occasional UTIs have zero impact on life insurance eligibility and rates—standard or better rates are typical. The only scenarios where UTI history affects underwriting are when infections indicate underlying conditions (kidney disease, diabetes, anatomical abnormalities, immunosuppression) […] Read more
🎯 Bottom Line Up Front Can you get life insurance with Bell’s palsy? YES. Most individuals with Bell’s palsy history can obtain standard or better rates, especially after complete or near-complete recovery. Bell’s palsy—a temporary facial nerve paralysis causing sudden weakness or paralysis on one side of the face—typically resolves fully within 3-6 months in […] Read more
🎯 Bottom Line Up Front Can you get life insurance after cardiac bypass surgery? YES. Most individuals who have undergone coronary artery bypass graft (CABG) surgery can obtain life insurance, typically at standard to table ratings depending on multiple factors. Bypass surgery—while major heart surgery—is actually a positive intervention that improves prognosis compared to untreated […] Read more
🎯 Bottom Line Up Front Can you get life insurance with atrioventricular (AV) block? IT DEPENDS. Insurance outcomes vary dramatically based on the degree of AV block. First-degree AV block (PR interval prolongation) typically has zero to minimal impact, often qualifying for standard or better rates. Second-degree AV block requires careful evaluation—Type 1 (Wenckebach) is […] Read more
🎯 Bottom Line Up Front Can you get life insurance with an Atrial Septal Defect (ASD)? Yes, in most cases. Individuals with successfully repaired ASDs can often qualify for standard to table ratings, while those with small, asymptomatic defects may achieve standard or near-standard rates. Coverage decisions depend heavily on the defect size, whether it’s […] Read more
🎯 Bottom Line Up Front Can you get life insurance with Mallory-Weiss Syndrome? Yes, in most cases. Individuals with a single, resolved Mallory-Weiss tear episode can often qualify for standard or better rates, especially if the underlying cause was identified and addressed. However, active or recent cases typically face short-term postponement (3-6 months) until healing […] Read more
Massachusetts Mutual Life Insurance Company commands attention in the financial services landscape not through flashy marketing campaigns, but through a 174-year commitment to policyholder ownership and conservative financial management that has weathered every economic crisis since the Civil War era. When financial advisors discuss “mutual company benefits” and “consistent dividend performance,” MassMutual frequently anchors these […] Read more
🎯 Bottom Line Up Front Can you get life insurance with ascites? It depends heavily on the underlying cause and current status. Active ascites typically results in postponement or decline from traditional fully underwritten policies. However, individuals with completely resolved ascites from treatable causes (such as certain infections or temporary episodes of heart failure) may […] Read more
