Learning about your sickle cell status – whether you carry the trait or have been diagnosed with sickle cell disease – naturally leads to questions about life insurance eligibility that extend far beyond your immediate health concerns. The distinction between being a sickle cell trait carrier versus having active sickle cell disease creates dramatically different […] Read more

A cystic fibrosis diagnosis fundamentally reshapes family planning conversations, transforming abstract discussions about “someday” into urgent conversations about securing your loved ones’ financial future today. The immediate response often involves researching life insurance, only to discover conflicting information about whether coverage is even possible to qualify for traditional life insurance coverage after being diagnosed with […] Read more

🎯 Bottom Line Up Front Can you get life insurance after recovering from Legionnaire’s disease? Yes. Most people who have fully recovered from Legionnaire’s disease qualify for standard or better rates, particularly those with complete resolution and no lasting complications. Uncomplicated recovery typically receives standard or better rates after 6-12 months, while recovery with residual […] Read more

Receiving an ALS diagnosis brings many challenges, including concerns about protecting your family’s financial security. While traditional life insurance options become limited after an ALS diagnosis, navigating the complex landscape of underwriting policies, waiting periods, and coverage limitations reveals that several alternative paths remain available. With proper guidance and realistic expectations, you may still be […] Read more

🎯 Bottom Line Up Front Can you get life insurance with a heart murmur? Yes. Most people with heart murmurs qualify for coverage, with rates ranging widely based on murmur type and significance. Innocent (functional) heart murmurs typically receive standard or better rates with no underwriting impact, while pathological murmurs from valve disease may result […] Read more

🎯 Bottom Line Up Front Can you get life insurance with hypoparathyroidism? Yes. Most people with well-controlled hypoparathyroidism qualify for coverage, with rates ranging from standard or better rates for mild, stable cases to standard to table ratings for more complicated disease. Life insurance companies recognize that well-managed hypoparathyroidism typically doesn’t significantly impact life expectancy […] Read more

By the Insurance Brokers USA Team – Licensed insurance professionals with extensive experience helping clients with ADHD and other neurodevelopmental conditions find appropriate coverage. Our agents have successfully placed hundreds of policies for individuals with attention-related diagnoses, specializing in finding companies that understand the nuances of ADHD coverage. The moment your doctor mentions ADHD, your […] Read more

🎯 Bottom Line Up Front Can you get life insurance with chronic bronchitis? Yes, but your rates depend on severity and control. Well-managed mild chronic bronchitis without complications can qualify for standard to table ratings. Moderate cases with controlled symptoms typically receive table ratings ranging from Table 2 to Table 6. Severe chronic bronchitis with […] Read more

🎯 Bottom Line Up Front Can you get life insurance after angioplasty? Yes, most people qualify within 6-12 months post-procedure. Successful angioplasty with excellent recovery can result in standard to table ratings depending on the underlying heart disease severity.  Your outcomes depend critically on procedure circumstances, recovery success, cardiac function tests, and ongoing risk factor […] Read more