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Pre-existing conditions

Gout is one of those pre-existing medical conditions that is super painful and absolutely no fun to suffer from, but is generally not a “life threatening” condition.  Which is why many individuals are surprised to learn that their “gout” or their prior history of suffering from gout, can actually have an affect the outcome of […] Read More

Whenever you have a health concern, qualifying for a traditional term or whole life insurance policy can “potentially” become a bit more “tricky” than those who don’t have any pre-existing medical conditions. But not all health problems… Are assessed in the same manner. “So how do life life insurance companies view glaucoma?” “Will it be […] Read More

Do you have emphysema but still want to get life insurance? If that’s you, then you are in the right place. Keep reading this article for a brief overview of applying for life insurance with emphysema. We’ll help you understand: The basics of emphysema. What will happen when you apply for life insurance after benign […] Read More

As a general rule of thumb, whenever we have an individual give us a call requesting a quote for life insurance who has also been diagnosed with a pre-existing stomach or esophageal ulcer, we usually don’t get too worried about whether or not they’ll be eligible for a traditional term or whole life insurance policy. […] Read More

Let us first start our discussion about purchasing life insurance with a pre-existing medical condition like Down’s syndrome or an intellectual disability with the acknowledgment that these two conditions are not the same. And that… When we discussing these “conditions”, it’s important to always keep in mind that individuals who have been diagnosed with either, […] Read More

According to a report published within the Journal of the American Medical Association, JAMA Internal Medicine, approximately 16% of all adult Americans reported filling one or more prescriptions for a psychiatric drug in 2013.  That’s basically 1 out of every 6 adult Americans! Twelve percent of these medications were antidepressants, 8.3 percent were anti-anxiety medications […] Read More

Have you ever been so depressed that you’ve attempted to take your own life?  Or have you ever been so depressed that you were hospitalized due to the fact that you were seriously considering suicide? Well if so… You’ve come to the right place.  Because in this article, we’re going to discuss what options you […] Read More

Typically, whenever you apply for a traditional term or whole life insurance policy, the first thing a life insurance company will want to know about is what pre-existing medical conditions you may or may not have been diagnosed with.  They will also definitely want to know if you’ve been diagnosed with sleep apnea. But will […] Read More

Crohn’s disease if just one of several inflammatory bowel disorders (IBD) that can often times have a pretty significant effect on the outcome of ones’ life insurance application. This is particularly true if you’re experiencing somewhat severe complications from your pre-existing medical condition and you choose to apply for coverage with the wrong life insurance […] Read More

If you have suffered myocardial infarction, you might believe you are uninsurable. However, that’s not exactly the case. People who have had myocardial infarction can and often do qualify for life insurance. That being said however… Having had a heart attack or myocardial infarction is certainly going to complicate the application process and is going […] Read More