When your doctor mentions an “irregular heartbeat” or arrhythmia, the first concern is naturally treatment and lifestyle. But soon after, many people worry: will this heart condition make it impossible to get life insurance to protect my family? The good news is that the life insurance industry has changed a lot in recent years. What […] Read more
Pre-existing conditions
🎯 Bottom Line Up Front Can you get life insurance with PTSD? YES. Many people with PTSD qualify for life insurance, though rates and approval depend on treatment stability, symptom severity, time since diagnosis, and absence of recent hospitalizations or suicide attempts. From a life insurance perspective, PTSD presents unique underwriting considerations that focus primarily […] Read more
🎯 Bottom Line Up Front Can you get life insurance with acromegaly? YES. Coverage depends on treatment success, hormone level control, and presence of complications. Successfully treated cases with normalized IGF-1 levels often qualify for standard rates, while those with uncontrolled disease or significant cardiac complications face table ratings. From a life insurance perspective, acromegaly […] Read more
If you have GERD and you’re shopping for life insurance, you’ve probably encountered alarming online warnings about coverage denials and sky-high premiums. The good news? These fears are largely unfounded. While managing gastroesophageal reflux disease requires ongoing attention to diet, medications, and lifestyle, it shouldn’t prevent you from securing the life insurance coverage your family […] Read more
🎯 Bottom Line Up Front Can you get life insurance with Addison’s disease? YES. Most people with well-managed Addison’s disease can qualify for life insurance, though rates depend on treatment compliance, stability, and any complications. Standard rates are possible for those with excellent control. From an insurance perspective, Addison’s disease is viewed as a manageable […] Read more
Receiving an aneurysm diagnosis fundamentally changes your relationship with life insurance, transforming what might have been a straightforward application into a complex navigation of medical underwriting, policy limitations, and often, initial rejections from traditional insurers. Worry meets frustration as conflicting online information suggests coverage could be possible, but maybe not, leaving families uncertain about protecting […] Read more
Living with endometriosis means navigating daily pain, treatment decisions, and the emotional weight of a chronic condition that can affect nearly every aspect of your life. Which is why when the topic of life insurance arises – whether prompted by a life change, financial planning goals, or simple peace of mind – many women worry […] Read more
A hydrocephalus diagnosis brings immediate concerns about medical treatment and long-term management, but families often find themselves unprepared for the secondary challenge of securing life insurance coverage. The complexity deepens when initial online research yields conflicting information – some sources suggesting neurological conditions create insurmountable barriers, while others claim coverage remains accessible with the right […] Read more
A hemophilia diagnosis often triggers immediate concerns about life insurance availability, particularly when well-meaning friends or family members suggest that blood disorders automatically disqualify individuals from coverage. This misconception stems from outdated perceptions of hemophilia as an unmanageable condition, overlooking the remarkable advances in treatment and care that have transformed outcomes for individuals with bleeding […] Read more
A hepatitis diagnosis can feel overwhelming, bringing a deluge of medical details, treatment choices, and the realization that securing life insurance to protect your family’s financial future is now more challenging. The frustration grows when early research suggests a hepatitis diagnosis might automatically rule out coverage or when conflicting online information leaves you unsure about […] Read more