🎯 Bottom Line Up Front Can you get life insurance with cor pulmonale? YES, but with limitations. While cor pulmonale presents significant underwriting challenges, coverage options exist, including guaranteed issue policies, group life insurance, and potentially traditional coverage for mild, stable cases. Success depends on the underlying cause, severity, treatment response, and overall prognosis. The […] Read more

The SBLI name can be confusing for many life insurance shoppers because it represents two separate companies: the long-established Savings Bank Mutual Life Insurance Company of Massachusetts (founded in 1907) and SBLI USA Life Insurance Company, which operates under the Prosperity Life Group. While their names and histories share similar roots, the two insurers differ […] Read more

🎯 Bottom Line Up Front Can you get life insurance with diverticulitis? YES. Most people with diverticulitis qualify for standard life insurance rates, especially those with uncomplicated cases managed with diet and antibiotics. Rates depend on episode frequency, complications, and whether surgical intervention was required. From a life insurance perspective, diverticulitis is generally viewed as […] Read more

Watching a loved one’s memory fade changes everything about family planning – suddenly, securing their financial legacy while they can still participate becomes an urgent priority. The overwhelming nature of Alzheimer’s or dementia care often leaves families believing life insurance is no longer possible, yet this assumption can cost families thousands in missed opportunities. The […] Read more

🎯 Bottom Line Up Front Can you get life insurance with a pacemaker? YES. Most people with pacemakers qualify for life insurance, though rates depend on the underlying heart condition that required the device, time since implantation, and current cardiac function. Standard-to-table ratings are common, with better rates typically available 6-12 months after implantation. From […] Read more

🎯 Bottom Line Up Front Can you get life insurance with Congestive Heart Failure? YES. While CHF is a serious condition, many insurers offer coverage based on factors such as your ejection fraction, NYHA classification, treatment compliance, and overall stability. Options range from standard rates for mild, well-controlled cases to guaranteed issue policies for advanced […] Read more

🎯 Bottom Line Up Front Can you get life insurance with hypertrophic subaortic stenosis (IHSS)? It depends—outcomes vary dramatically based on disease severity and symptoms. The reality is nuanced—while IHSS does present significant underwriting challenges due to its unpredictable nature and potential for serious complications, some individuals with mild, well-managed disease successfully obtain coverage, though […] Read more

Starting dialysis treatment fundamentally changes your daily routine, energy levels, and long-term health outlook – and it also dramatically impacts your ability to secure traditional life insurance coverage. The stark reality often hits home when many patients’ first application gets declined, leaving families wondering if any financial protection remains possible during this critical time. What […] Read more

You’ve managed your diabetes for years—tracking A1C levels, sticking with your medications, and leading an active life where your diabetes feels like background noise and not something you worry about. That is, until you apply for life insurance, and all of a sudden, you’re told that because of your diabetes, you’re now considered a “high-risk […] Read more