🎯 Bottom Line Up Front Can you get life insurance with hypertrophic subaortic stenosis (IHSS)? It depends—outcomes vary dramatically based on disease severity and symptoms. The reality is nuanced—while IHSS does present significant underwriting challenges due to its unpredictable nature and potential for serious complications, some individuals with mild, well-managed disease successfully obtain coverage, though […] Read more

Starting dialysis treatment fundamentally changes your daily routine, energy levels, and long-term health outlook – and it also dramatically impacts your ability to secure traditional life insurance coverage. The stark reality often hits home when many patients’ first application gets declined, leaving families wondering if any financial protection remains possible during this critical time. What […] Read more

You’ve managed your diabetes for years—tracking A1C levels, sticking with your medications, and leading an active life where your diabetes feels like background noise and not something you worry about. That is, until you apply for life insurance, and all of a sudden, you’re told that because of your diabetes, you’re now considered a “high-risk […] Read more

🎯 Bottom Line Up Front Can you get life insurance after gastroplasty? YES. Most people can qualify for life insurance 6-12 months after gastroplasty surgery, with rates improving as weight stabilizes and health markers improve. Success depends on weight loss maintenance, absence of complications, and resolution of obesity-related conditions. From a life insurance perspective, gastroplasty […] Read more

🎯 Bottom Line Up Front Can you get life insurance with anorexia? YES. Many people in recovery from anorexia can qualify for life insurance, though approval and rates depend heavily on recovery duration, weight stability, treatment compliance, and absence of medical complications. Most insurers require 2-5 years of sustained recovery for traditional coverage. From a […] Read more

🎯 Bottom Line Up Front Can you get life insurance if you’re overweight? YES. Most overweight individuals can qualify for life insurance, with rates and approval depending on BMI, overall health status, and presence or absence of weight-related health conditions. From an insurance perspective, weight is evaluated as a risk factor that can influence life […] Read more

A criminal conviction feels like it closes doors forever – especially when you’re trying to secure your family’s financial future through life insurance. The frustration compounds when insurance agents immediately suggest accidental death policies or minimal guaranteed issue coverage, assuming your past defines your insurability today. What many don’t realize is that a felony or […] Read more

🎯 Bottom Line Up Front Can you get life insurance with histoplasmosis? YES. Most people with resolved acute histoplasmosis or well-controlled chronic forms can qualify for standard rates, especially after completing treatment and showing clear chest X-rays. From a life insurance perspective, carriers evaluate histoplasmosis based on the type of infection, treatment response, residual lung […] Read more

🎯 Bottom Line Up Front Can you get life insurance with hypogammaglobulinemia? YES. Many individuals with well-managed hypogammaglobulinemia on regular immunoglobulin replacement therapy can qualify for coverage, though rates depend on infection frequency, treatment compliance, and organ involvement. From a life insurance perspective, carriers evaluate hypogammaglobulinemia based on the underlying cause, severity of immunodeficiency, frequency […] Read more