🎯 Bottom Line Up Front Can you get life insurance with inflammatory bowel disease? YES. IBD patients can often secure standard to preferred rates when the condition is well-controlled, in remission, and managed without major complications or frequent hospitalizations. Inflammatory bowel disease (IBD) encompasses chronic inflammatory conditions of the digestive tract, primarily Crohn’s disease and […] Read more
Pre-existing conditions
🎯 Bottom Line Up Front Can you get life insurance with Obsessive-Compulsive Disorder (OCD)? YES. Most individuals with well-managed OCD can obtain life insurance coverage at standard to slightly elevated rates, depending on severity and treatment response. From an insurance perspective, OCD is evaluated based on symptom severity, treatment response, functional capacity, and overall impact […] Read more
🎯 Bottom Line Up Front Can you get life insurance with chronic pain? YES. While chronic pain conditions require careful underwriting review, most people can obtain coverage with proper documentation of pain management, underlying causes, and functional capacity. From an insurance perspective, chronic pain presents unique underwriting challenges because it’s often subjective, can vary in […] Read more
🎯 Bottom Line Up Front Can you get life insurance with COVID-19? YES. Most people with a COVID-19 history can obtain coverage, though timing, severity, and long-term effects influence rates and availability. Post-recovery applications typically face better outcomes than active infections. COVID-19 (SARS-CoV-2) has affected millions worldwide, ranging from asymptomatic cases to severe illness requiring […] Read more
🎯 Bottom Line Up Front Can you get life insurance with thyroid cancer? YES. Most thyroid cancer survivors can obtain coverage, with papillary thyroid cancer often qualifying for standard rates after 2-5 years. Early-stage cases and complete treatment response provide the best outcomes. Thyroid cancer, while understandably concerning at diagnosis, has become one of the […] Read more
A prostate cancer diagnosis brings immediate concerns about treatment and recovery, but for many men, securing life insurance protection becomes an equally pressing priority. The fear that coverage might now be impossible or prohibitively expensive often compounds the stress of an already challenging situation. The reality is far more encouraging than most newly diagnosed patients […] Read more
A uterine cancer diagnosis can turn life upside down—treatment decisions, family conversations, and medical appointments suddenly take center stage. In the middle of it all, many women also begin to wonder: Will a cancer history prevent me from getting life insurance to protect my family? The good news is that meaningful coverage is often still […] Read more
🎯 Bottom Line Up Front Can you get life insurance with medical conditions? YES, in most cases. While health conditions affect rates and coverage options, the majority of people with medical histories can obtain life insurance. The key is understanding how conditions are evaluated and working with the right approach. Life insurance underwriting evaluates mortality […] Read more
🎯 Bottom Line Up Front Can you get life insurance with lung cancer? POSSIBLY. Lung cancer survivors may obtain coverage depending on cancer type, stage, treatment response, and survival time. Early-stage cases with excellent long-term outcomes have the best prospects, though options remain limited compared to other cancers. Life insurance underwriting for lung cancer is […] Read more
🎯 Bottom Line Up Front Can you get life insurance with colon cancer? YES. Most colon cancer survivors can obtain coverage, with early-stage cases often qualifying for standard to mildly rated premiums after 3-5 years. Advanced screening and treatment improvements have made colon cancer increasingly insurable. Life insurance underwriting for colon cancer has evolved significantly […] Read more