When your cardiologist first mentioned “bicuspid aortic valve,” the medical terminology might have felt a bit overwhelming – but now you’re wondering how this congenital heart condition affects your ability to secure life insurance for your family’s protection. Sadly, you’re searches on the internet are likely going to offer conflicting advice, ranging from “impossible to […] Read more

🎯 Bottom Line Up Front Can you get life insurance with brachial palsy (Erb’s palsy)? YES. Individuals with brachial palsy typically qualify for standard or better rates, as this condition is a physical impairment that doesn’t affect life expectancy. Most cases result in standard ratings regardless of severity, with favorable outcomes for both birth-related and […] Read more

🎯 Bottom Line Up Front Can you get life insurance with celiac disease (sprue)? YES. Most individuals with well-managed celiac disease qualify for standard or better rates. Those who follow a strict gluten-free diet with normal follow-up testing typically achieve standard ratings, while those with excellent overall health and no complications can qualify for preferred […] Read more

🎯 Bottom Line Up Front Can you get life insurance with recovered cholangitis? YES. If you’ve fully recovered from cholangitis with no ongoing complications or underlying chronic liver disease, you can typically qualify for standard or better rates. The key factors insurers evaluate include the time since recovery, underlying cause, treatment response, current liver function, […] Read more

🎯 Bottom Line Up Front Can you get life insurance with carotid sinus syncope? YES. Most individuals with carotid sinus syncope can obtain life insurance, though rate classifications vary from standard to table ratings depending on episode frequency, injury history, treatment effectiveness, and underlying cardiac health. Well-controlled cases with infrequent episodes and no serious injuries […] Read more

🎯 Bottom Line Up Front Can you get life insurance with chondrocalcinosis (pseudogout)? YES. Chondrocalcinosis is typically viewed as a benign musculoskeletal condition by life insurance underwriters, with most applicants qualifying for standard or better rates. The condition itself—calcium crystal deposits in cartilage causing periodic joint inflammation—does not significantly impact life expectancy. Key factors include […] Read more

🎯 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