🎯 Bottom Line Up Front Can you get life insurance with Graves’ disease? Yes, in most cases. Well-controlled Graves’ disease without complications typically qualifies for standard or better rates. Cases with thyroid eye disease or cardiac complications may require standard to table ratings, while severe, uncontrolled hyperthyroidism requires individual assessment until stabilized. Graves’ disease is […] Read more
Pre-existing conditions
🎯 Bottom Line Up Front Can you get life insurance with Schilder’s disease? It depends on disease progression and current functional status. Early-stage disease with minimal symptoms may qualify for table ratings, while progressive forms with significant neurological deficits typically require individual assessment. Cases with rapid progression or severe disability usually face coverage challenges requiring […] Read more
🎯 Bottom Line Up Front Can you get life insurance with Kimmelstiel-Wilson disease? It depends on disease stage, diabetes control, and kidney function. Early-stage disease with well-controlled diabetes may qualify for table ratings, while advanced cases with significant proteinuria or reduced kidney function face substantial challenges. Cases requiring dialysis typically need guaranteed issue coverage with […] Read more
🎯 Bottom Line Up Front Can you get life insurance with epididymitis? Yes, in most cases epididymitis should not significantly impact your life insurance application. Acute epididymitis that has been successfully treated typically qualifies for standard rates, while chronic epididymitis may require individual assessment. Since epididymitis is generally not life-threatening and most people recover completely, […] Read more
Learning you have Hashimoto’s disease brings a cascade of questions about your health management, but one concern often catches people off guard: “Will this affect my ability to get life insurance?” The frustration deepens when you discover conflicting information online, with some sources suggesting thyroid conditions create insurmountable barriers while others claim coverage is readily […] Read more
🎯 Bottom Line Up Front Can you get life insurance with a functional heart murmur? Absolutely, and usually at standard rates. Innocent or functional heart murmurs are not considered serious conditions and could have little to no effect on life insurance qualifications. Most applicants with properly documented innocent murmurs qualify for preferred or standard rates […] Read more
🎯 Bottom Line Up Front Can you get life insurance with gestational diabetes? Yes, but timing is critical. If you are currently pregnant with gestational diabetes, insurance companies will postpone any coverage offer for at least six weeks post-pregnancy. After delivery, if the condition resolves, some companies offer preferred rates as early as six weeks […] Read more
🎯 Bottom Line Up Front Can you get life insurance with Buerger’s Disease? Yes, but approval depends heavily on tobacco cessation and disease management. Individuals who have completely stopped tobacco use and maintain stable disease status can qualify for standard to table ratings, while those with active tobacco use, recent amputations, or progressive disease will […] Read more
🎯 Bottom Line Up Front Can you get life insurance with Aplastic Anemia? Yes, but approval depends heavily on treatment success and disease severity. Individuals who achieved complete remission following bone marrow transplant and maintained stability for 3-5+ years may qualify for standard to table ratings, while those with ongoing treatment needs, incomplete responses, or […] Read more
🎯 Bottom Line Up Front Can you get life insurance with Iritis? Yes, and many cases qualify for standard or better rates. Individuals with a single isolated episode of iritis that resolved completely may qualify for standard rates, while those with recurrent episodes typically receive standard to table ratings depending on frequency and control. The […] Read more