🎯 Bottom Line Up Front Can you get life insurance with Charcot-Marie-Tooth disease? YES. Most people with CMT qualify for life insurance at standard or mildly substandard rates, as this hereditary neurological condition typically doesn’t significantly affect life expectancy. Rates depend primarily on CMT type, functional capacity, and presence of respiratory involvement. From a life […] Read more

🎯 Bottom Line Up Front Can you get life insurance after a stroke? YES, but timing and recovery are critical. Most carriers require waiting 6-12 months post-stroke before considering applications. Insurance underwriters will focus intensely on time since stroke, extent of recovery, residual deficits, stroke mechanism and type, risk factor control, and recurrence prevention measures. […] Read more

🎯 Bottom Line Up Front Can you get life insurance with cerebral palsy? YES, with favorable terms in many cases. Mild cerebral palsy with minimal functional impairment and independent living often qualifies for Standard to Table C ratings (100-150% of standard premiums). Insurance underwriters focus primarily on functional independence level, seizure control, respiratory complications, cognitive […] Read more

🎯 Bottom Line Up Front Can you get life insurance after a cerebral embolism? Yes, but coverage depends significantly on timing, severity, and recovery. Most carriers require waiting periods of 6-12 months post-event with documented stability. Applicants with full recovery, controlled underlying conditions, and no complications can qualify for standard to preferred rates within 2-3 […] Read more

Finding life insurance after an organ transplant can feel overwhelming, especially when traditional insurance commercials make coverage seem effortless. The reality is more complex, but not hopeless. Based on our experience helping hundreds of transplant recipients secure coverage, we’ll walk you through what’s actually possible in 2025, realistic costs, and the strategies that work. Author: […] Read more

🎯 Bottom Line Up Front Can you get life insurance with kyphosis? Yes, in most cases. Mild to moderate kyphosis typically has minimal impact on life insurance approval and rates, with many applicants qualifying for standard or preferred classifications. Severe kyphosis with significant curvature, functional limitations, or underlying conditions like osteoporosis may face moderate table […] Read more

🎯 Bottom Line Up Front Can you get life insurance with Irritable Bowel Syndrome (IBS)? YES. Most applicants with well-managed IBS qualify for standard or better rates from major carriers. IBS is classified as a functional gastrointestinal disorder, not a life-threatening disease, so it typically has minimal impact on life insurance eligibility. The key factors […] Read more

A successful kidney transplant is both a medical milestone and a second chance at life. But many recipients are surprised to learn that life insurance companies may still impose long waiting periods or restrictive terms. It can feel frustrating — your health has improved, yet insurers remain cautious. The good news is the market has […] Read more

🎯 Bottom Line Up Front Can you get life insurance with Hyperthyroidism? YES, in most cases. Applicants with well-controlled hyperthyroidism typically qualify for standard to preferred rates from major carriers. The key determining factors include: treatment type and effectiveness (medication, radioactive iodine, or surgery), thyroid hormone level stability (TSH, T3, T4), time since diagnosis and […] Read more