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Pre-existing conditions

Qualifying for Life Insurance while on Disability. One of the benefits we here at IBUSA have found when working with individuals who are currently receiving some type of disability benefit is that we no longer have to stress how one’s good health is a “gift” and how that “gift” can disappear at any moment. Instead… […] Read more

Life Insurance with Emphysema. Emphysema is one of those “types” of pre-existing medical conditions where it seems like folks are either being told that it’s not going to be an issue at all by some life insurance agents or they’re told that there’s no way that their going to be able to  qualify for a […] Read more

Life Insurance with an Ulcer. As a general rule of thumb, whenever we have an individual give us a call requesting a quote for life insurance who has also been diagnosed with a pre-existing medical condition like an ulcer, we’re usually not going to get all that worried about whether or not they’re going to […] Read more

Basal and Squamous Cell Skin Cancer. If you’re currently in the process of “shopping” for a life insurance policy and you’re wondering if you’re previous diagnosis of skin cancer or more specifically Basal Cell Carcinoma and/or Squamous Cell Carcinoma is going to potentially “affect” the outcome of this process, you’re definitely going to want to […] Read more

Life Insurance with a Transient Ischemic Attack (TIA). Like most pre-existing medical conditions, once a life insurance company learns that you’ve suffered from a transient ischemic attack or “mini stroke”, things can begin to get a bit complicated.  Especially if you’re applying for a traditional term or whole life insurance policy vs a guaranteed life […] Read more

Migraine Headaches and Life Insurance. If you’ve ever been the unfortunate victim of a true Migraine headache you’ll understand first hand that this term “migraine” if often misused by a lot of folks to simply describe a normal garden variety headache which can usually be alleviated with a few over the counter medications. This “misuse” […] Read more

Ulcerative Colitis and Life Insurance. Ulcerative colitis is one of those pre-existing medical conditions that many people will often underestimate its potential to significantly affect the outcome of one’s life insurance application.  This is particularly true if their Ulcerative Colitis is considered a “mild one” that hasn’t developed into a debilitating medical condition. This is […] Read more

Life Insurance with Herpes. With nearly 3 million new cases of herpes diagnosed each and every year, one thing we can tell for sure is that here at IBUSA… “We’ve helped a lot of folks qualify for life insurance without ever being told that they have it!” Now we can say this with total certainty […] Read more

Life Insurance with Multiple Sclerosis. Despite the fact that just about every life insurance commercial that’s aired on the TV and radio nowadays tells you, applying for life insurance isn’t always super easy. And if you’re looking… To secure the “best” possible deal out there, it’s probably wise to do a little bit a “shopping” […] Read more

Life Insurance with Gout. Gout is one of those pre-existing medical conditions that is super painful and absolutely no fun to suffer from, but is generally not considered a “life threatening” medical condition.  This is why many individuals are surprised to learn that their previous “flareups” of Gout may actually have an affect on the […] Read more