🎯 Bottom Line Up Front Can you get life insurance after cardiac bypass surgery? YES. Most individuals who have undergone coronary artery bypass graft (CABG) surgery can obtain life insurance, typically at standard to table ratings depending on multiple factors. Bypass surgery—while major heart surgery—is actually a positive intervention that improves prognosis compared to untreated […] Read more

🎯 Bottom Line Up Front Can you get life insurance with atrioventricular (AV) block? IT DEPENDS. Insurance outcomes vary dramatically based on the degree of AV block. First-degree AV block (PR interval prolongation) typically has zero to minimal impact, often qualifying for standard or better rates. Second-degree AV block requires careful evaluation—Type 1 (Wenckebach) is […] Read more

🎯 Bottom Line Up Front Can you get life insurance with an Atrial Septal Defect (ASD)? Yes, in most cases. Individuals with successfully repaired ASDs can often qualify for standard to table ratings, while those with small, asymptomatic defects may achieve standard or near-standard rates. Coverage decisions depend heavily on the defect size, whether it’s […] Read more

🎯 Bottom Line Up Front Can you get life insurance with Mallory-Weiss Syndrome? Yes, in most cases. Individuals with a single, resolved Mallory-Weiss tear episode can often qualify for standard or better rates, especially if the underlying cause was identified and addressed. However, active or recent cases typically face short-term postponement (3-6 months) until healing […] Read more

🎯 Bottom Line Up Front Can you get life insurance with ascites? It depends heavily on the underlying cause and current status.  Active ascites typically results in postponement or decline from traditional fully underwritten policies. However, individuals with completely resolved ascites from treatable causes (such as certain infections or temporary episodes of heart failure) may […] Read more

🎯 Bottom Line Up Front Can you get life insurance with an artificial heart valve? Yes, in most cases. Individuals with successfully replaced heart valves can typically qualify for standard to table ratings depending on several factors: which valve was replaced, the reason for replacement, your age at surgery, time since surgery, current cardiac function, […] Read more

🎯 Bottom Line Up Front Can you get life insurance with arthritis? Yes, absolutely. Most individuals with arthritis—whether osteoarthritis or rheumatoid arthritis—can qualify for standard or better rates, especially when the condition is mild to moderate and well-controlled. Osteoarthritis, being a degenerative “wear-and-tear” condition, typically has minimal to no impact on life insurance rates for […] Read more

🎯 Bottom Line Up Front Can you get life insurance with asbestosis? It depends significantly on disease severity and progression. Asbestosis, a progressive lung disease caused by asbestos fiber inhalation, presents substantial underwriting challenges due to increased mortality risk from respiratory failure and associated malignancy risk (mesothelioma, lung cancer). Mild, stable asbestosis with minimal functional […] Read more

🎯 Bottom Line Up Front Can you get life insurance with arteriovenous malformation? YES. Coverage is possible but depends significantly on treatment status, location, and bleeding history – rates range from standard to table ratings or decline for untreated high-risk cases. From an insurance perspective, AVMs present significant underwriting challenges due to their unpredictable bleeding […] Read more