🎯 Bottom Line Up Front Can you get life insurance with sleep apnea? ABSOLUTELY. Sleep apnea is a manageable condition that doesn’t automatically disqualify you from coverage. With proper treatment compliance (especially CPAP usage), most people with sleep apnea can obtain standard or near-standard life insurance rates. The key is demonstrating consistent treatment and providing […] Read more

🎯 Bottom Line Up Front Can you get life insurance with Crohn’s disease? YES. Most people with well-controlled Crohn’s disease can qualify for traditional life insurance, though rates and approval depend on disease severity, treatment response, and time since last flare-up. From an insurance perspective, Crohn’s disease is viewed as a manageable chronic condition that […] Read more

🎯 Bottom Line Up Front Can you get life insurance with hypothyroidism? Yes, absolutely—and usually at standard rates. Hypothyroidism is one of the most common endocrine disorders, affecting over 20 million Americans, and is highly treatable with thyroid hormone replacement. Well-controlled hypothyroidism on stable levothyroxine therapy typically has zero impact on life insurance eligibility or […] Read more

🎯 Bottom Line Up Front Can you get life insurance with hypoglycemia? It depends. Hypoglycemia’s impact on life insurance approval ranges from no effect to significant premium increases, depending entirely on the underlying cause. Reactive hypoglycemia from dietary factors typically has minimal impact, while hypoglycemia associated with diabetes, particularly with a history of severe episodes […] Read more

🎯 Bottom Line Up Front Can you get life insurance with coarctation of the aorta? YES. Most individuals with surgically repaired coarctation of the aorta can obtain life insurance, though rate classifications will depend heavily on surgical outcomes, time since repair, presence of complications, and current cardiovascular health. This comprehensive guide explains how life insurance […] Read more

🎯 Bottom Line Up Front Can you get life insurance with discoid lupus erythematosus? YES. Discoid lupus erythematosus (DLE), the cutaneous-only form of lupus without systemic involvement, typically receives favorable life insurance consideration with most applicants qualifying for Standard to Preferred rates. The critical distinction underwriters make is between isolated DLE affecting only the skin […] Read more

🎯 Bottom Line Up Front Can you get life insurance after a heart attack? YES. While a myocardial infarction significantly impacts life insurance underwriting, coverage is absolutely obtainable for a surprising number of heart attack survivors. The life insurance industry’s approach to heart attack survivors has evolved substantially over the past two decades as treatment […] Read more

🎯 Bottom Line Up Front Can you get life insurance with epilepsy? YES. Epilepsy diagnosis does not automatically disqualify you from life insurance coverage. Well-controlled epilepsy with extended seizure-free periods often qualifies for Standard to moderate table ratings, while frequent uncontrolled seizures may result in postponement or decline. The key distinction underwriters make is between […] Read more

🎯 Bottom Line Up Front Can you get life insurance with claudication? YES, but expect modified offers. Most applicants with intermittent claudication qualify for Standard to Table D ratings (150-200% of standard premiums), depending on severity, treatment response, and underlying peripheral artery disease progression. Early-stage claudication with good management typically receives more favorable consideration than […] Read more