🎯 Bottom Line Up Front Can you get life insurance with lupus nephritis? Yes, but coverage depends heavily on disease class, kidney function, and remission status. While lupus nephritis does present significant underwriting challenges due to its variable course, potential for serious complications, and impact on long-term health outcomes, many individuals with well-controlled disease successfully […] Read more

🎯 Bottom Line Up Front Can you get life insurance with Berger’s disease (IgA nephropathy)? Yes, though outcomes depend heavily on kidney function, proteinuria levels, and disease progression rate. The tricky part is that Berger’s disease often assumes an unpredictable course—ranging from stable disease with normal kidney function for decades to progressive deterioration requiring dialysis—which […] Read more

🎯 Bottom Line Up Front Can you get life insurance with IHSS? YES. Coverage depends on symptom severity, treatment success, and cardiac function. Mild cases with good ejection fraction and no symptoms often qualify for standard rates, while those with ICDs or significant obstruction may face table ratings. From a life insurance perspective, IHSS presents […] Read more

🎯 Bottom Line Up Front Can you get life insurance while taking anxiety medications? YES. Most applicants on anxiety medications qualify for coverage, often at standard or better rates. The key factors insurers evaluate are medication stability, treatment compliance, symptom control, and functional ability. Being prescribed SSRIs, SNRIs, or benzodiazepines for anxiety does not automatically […] Read more

🎯 Bottom Line Up Front Can you get life insurance with HIV? YES. Modern antiretroviral therapy has transformed HIV from a terminal diagnosis to a manageable chronic condition, and life insurance underwriting has evolved accordingly. Many individuals living with well-controlled HIV now qualify for coverage, with approval odds depending primarily on viral load suppression, CD4 […] Read more

🎯 Bottom Line Up Front Can you get life insurance with glaucoma? Yes, absolutely. Most people with glaucoma can obtain life insurance at standard or better rates provided it’s diagnosed early with few or zero complications However, advanced glaucoma with significant vision loss, associated systemic conditions, or poor disease control may result in moderate to […] Read more

🎯 Bottom Line Up Front Can you get life insurance with Down syndrome or an intellectual disability? YES – but options vary significantly based on the severity of the condition and level of independence. Individuals with mild Down syndrome who work full-time may qualify for traditional underwritten policies, while those requiring more support typically need […] Read more

🎯 Bottom Line Up Front Can you get life insurance with depression? YES – most people with depression can qualify for coverage, often at standard rates. Mild to moderate depression that’s well-managed with medication and therapy typically has minimal impact on eligibility or premiums. Even individuals with more severe depression history, including past hospitalizations, can […] Read more

🎯 Bottom Line Up Front Can you get life insurance with Marfan syndrome? YES – but with significant challenges and important qualifications. Traditional underwritten life insurance is extremely difficult to obtain, and most standard carriers automatically decline Marfan applications due to the significant cardiovascular risks involved. However, specialized coverage options exist including final expense policies, […] Read more