🎯 Bottom Line Up Front Can you get life insurance with lipoid nephrosis (minimal change disease)? Yes, especially if in remission. Childhood-onset minimal change disease with complete remission typically qualifies for Standard to Preferred rates after 2-5 years disease-free. Adult-onset cases receive more conservative evaluation, typically Standard to Table C ratings depending on response to […] Read more

🎯 Bottom Line Up Front Can you get life insurance with costochondritis? YES. Coverage is typically available at standard rates once cardiac causes are ruled out. Simple costochondritis rarely impacts premiums, while cases with extensive workup or chronic pain syndromes may face minor rate adjustments depending on overall health picture. From a life insurance perspective, […] Read more

By the Insurance Brokers USA Team | Published: December 2020 | Updated: September 2025 A Parkinson’s disease diagnosis brings immediate concerns about tremors, mobility, and treatment plans – but many families are unprepared for the confusion that follows when trying to secure life insurance coverage. Frustration that likely deepens when online searches suggest coverage is […] Read more

🎯 Bottom Line Up Front Can you get life insurance with Valley Fever? YES. Most people who have had Valley Fever can qualify for life insurance, with rates depending on whether the infection was acute and resolved, chronic, or disseminated, as well as time since recovery. From an insurance perspective, Valley Fever presents varying levels […] Read more

🎯 Bottom Line Up Front Can you get life insurance with Hirschsprung’s disease? YES. Most adults who were successfully treated for Hirschsprung’s disease in childhood can qualify for standard or near-standard rates, especially if they have minimal ongoing symptoms and no significant complications. From a life insurance perspective, carriers view Hirschsprung’s disease primarily as a […] Read more

🎯 Bottom Line Up Front Can you get life insurance with cor pulmonale? YES, but with limitations. While cor pulmonale presents significant underwriting challenges, coverage options exist, including guaranteed issue policies, group life insurance, and potentially traditional coverage for mild, stable cases. Success depends on the underlying cause, severity, treatment response, and overall prognosis. The […] Read more

🎯 Bottom Line Up Front Can you get life insurance with diverticulitis? YES. Most people with diverticulitis qualify for standard life insurance rates, especially those with uncomplicated cases managed with diet and antibiotics. Rates depend on episode frequency, complications, and whether surgical intervention was required. From a life insurance perspective, diverticulitis is generally viewed as […] Read more

Watching a loved one’s memory fade changes everything about family planning – suddenly, securing their financial legacy while they can still participate becomes an urgent priority. The overwhelming nature of Alzheimer’s or dementia care often leaves families believing life insurance is no longer possible, yet this assumption can cost families thousands in missed opportunities. The […] Read more

🎯 Bottom Line Up Front Can you get life insurance with a pacemaker? YES. Most people with pacemakers qualify for life insurance, though rates depend on the underlying heart condition that required the device, time since implantation, and current cardiac function. Standard-to-table ratings are common, with better rates typically available 6-12 months after implantation. From […] Read more