🎯 Bottom Line Up Front Can you get life insurance with ankylosing spondylitis? YES, and often at competitive rates. Coverage availability depends primarily on disease severity, functional limitations, and treatment response. Many patients with well-controlled AS qualify for standard or slightly rated policies, especially when diagnosed young and maintaining good disease management. Fortunately, modern treatment […] Read more

🎯 Bottom Line Up Front Can you get life insurance with angioneurotic edema (angioedema)? Yes, those with isolated mild episodes and no history of airway compromise may achieve standard or better rates, while cases involving frequent severe attacks or prior laryngeal edema typically receive table ratings requiring specialized underwriting expertise. For individuals living with angioedema, […] Read more

🎯 Bottom Line Up Front Can you get life insurance with amyloid disease? It depends on the type, organ involvement, and disease stage. Localized cutaneous amyloidosis without systemic involvement may qualify for standard or better rates. Whereas Systemic amyloidosis—particularly AL (light chain) amyloidosis—typically results in declines at traditional carriers due to poor prognosis and significant […] Read more

🎯 Bottom Line Up Front Can you get life insurance with amenorrhea? Yes, in most cases. Primary amenorrhea or secondary amenorrhea alone—when not caused by serious underlying conditions—typically has minimal impact on life insurance approval and can qualify for standard or better rates. However, underwriting focuses heavily on the underlying cause rather than the amenorrhea […] Read more

🎯 Bottom Line Up Front Can you get life insurance with megacolon? Yes, though your coverage options and rates depend significantly on the type and severity of your condition. Successfully treated congenital megacolon (Hirschsprung disease) typically qualifies for standard to table ratings, while acquired chronic megacolon often receives standard rates with well-documented management. Toxic megacolon […] Read more

🎯 Bottom Line Up Front Can you get life insurance with cholecystitis? YES. Most individuals who have experienced cholecystitis can obtain life insurance, often at standard or better rates once the condition has been successfully treated.  And while cholecystitis can cause severe abdominal pain and requires prompt medical attention, insurance underwriters understand this and know, […] Read more

🎯 Bottom Line Up Front Can you get life insurance with muscular dystrophy? IT DEPENDS. Coverage availability varies dramatically based on the specific type of muscular dystrophy, age at diagnosis, current functional abilities, disease progression rate, and respiratory/cardiac function. Some milder forms like limb-girdle or facioscapulohumeral MD may qualify for traditional coverage with table ratings, […] Read more

🎯 Bottom Line Up Front Can you get life insurance with emphysema? Yes, but approval and rates depend heavily on disease severity, smoking status, and overall lung function. Individuals with mild to moderate emphysema who have quit smoking and maintain stable lung function can often secure coverage, though typically at higher premiums. Those with severe […] Read more

🎯 Bottom Line Up Front Can you get life insurance with ulcers? Yes, absolutely. Most people with peptic ulcers, including gastric (stomach) and duodenal ulcers, can obtain life insurance at standard to slightly rated premiums. Simple, uncomplicated ulcers that have healed with treatment typically have minimal impact on insurability. However, complicated ulcers with bleeding, perforation, […] Read more