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Pre-existing conditions

🎯 Bottom Line Up Front Can you get life insurance with fibromyalgia? YES. Most people with fibromyalgia qualify for standard life insurance rates, as the condition itself doesn’t significantly impact mortality. Rates primarily depend on symptom management, work status, and any associated conditions like depression or anxiety. From a life insurance perspective, fibromyalgia is generally […] Read more

🎯 Bottom Line Up Front Can you get life insurance with cervical cancer? YES. Most cervical cancer survivors can obtain excellent coverage, with early-stage cases often qualifying for standard rates after 2-5 years. Cervical cancer has among the best insurance outcomes of all cancers when detected early. Life insurance underwriting for cervical cancer has become […] Read more

Discussing life insurance can feel like a big step—it brings up topics like your future, finances, and health. When the conversation turns to cannabis use, you might worry about how it could affect your ability to get coverage. The good news is that the life insurance industry has become much more accepting of cannabis users […] Read more

Discouraged by initial research suggesting traditional life insurance is out of reach for those who have been diagnosed with pancreatic cancer, many will quickly lose hope and give up.  However, it’s important to understand that such a diagnosis doesn’t close all doors to coverage. Depending on factors like diagnosis timing, treatment status, and personal circumstances, […] Read more

A bladder cancer diagnosis can change everything—suddenly, treatment decisions and quality of life become the focus. But in the middle of medical appointments and planning, another urgent question often comes up: is life insurance still possible? Many people quickly discover that bladder cancer’s complexity makes finding clear answers difficult. The truth is that not all […] Read more

🎯 Bottom Line Up Front Can you get life insurance with breast cancer? YES. Most breast cancer survivors can obtain coverage, with early-stage, hormone-positive cases often qualifying for standard rates after 3-5 years. Modern treatments and improved outcomes have made breast cancer increasingly insurable. Life insurance underwriting for breast cancer has evolved significantly as survival […] Read more

🎯 Bottom Line Up Front Can you get life insurance with lymphoma? YES, in most cases. Lymphoma survivors can often obtain coverage, with Hodgkin lymphoma generally having better prospects than non-Hodgkin lymphoma. Early-stage disease with complete remission offers the best outcomes after 3-5+ years. Life insurance underwriting for individuals with lymphoma has evolved significantly as […] Read more

An ovarian cancer diagnosis brings immediate concerns about treatment, recovery, and protecting your family’s financial future. The overwhelming nature of medical decisions becomes more complex when you realize that securing life insurance coverage suddenly seems urgent yet potentially impossible, especially when well-meaning friends suggest that cancer automatically disqualifies you from coverage. Fortunately, the life insurance […] Read more

🎯 Bottom Line Up Front Can you get life insurance with kidney cancer? YES, but timing and stage matter significantly. Early-stage kidney cancer survivors can typically apply after 1-2 years post-treatment, while advanced stages may require waiting periods of up to 5 years. For kidney cancer survivors considering life insurance, the journey from diagnosis to […] Read more

This article discusses the top 10 most common lies or “mistruths” that many life insurance applicants tell when applying for a traditional or no-medical-exam life insurance policy. But before we do that, we want to clarify that… Not all “mistruths” are lies, and not all lies are “mistruths”. Sometimes, people make mistakes when answering questions […] Read more