🎯 Bottom Line Up Front Can you get life insurance with vasovagal reactions? YES. Most people with vasovagal syncope can obtain standard life insurance rates. Simple fainting episodes with known triggers typically qualify for standard rates, while frequent or complicated cases may require detailed evaluation but remain highly insurable with appropriate documentation. From a life […] Read more

🎯 Bottom Line Up Front Can you get life insurance with a history of alcoholism? YES, in most cases, given enough time in sobriety. Life insurance approval and rates for individuals with alcohol use disorder depend heavily on your current recovery status, sobriety duration, treatment completion, physical health, and any alcohol-related complications. The insurance industry has […] Read more

🎯 Bottom Line Up Front Can you get life insurance with diverticulosis? YES. Most people with uncomplicated diverticulosis can obtain standard life insurance rates. Asymptomatic diverticulosis typically has no impact on rates, while those with history of diverticulitis may see slight increases. Coverage depends on symptom management, complications history, and overall health status. From a […] Read more

🎯 Bottom Line Up Front Can you get life insurance with heart palpitations? YES. Most people with palpitations can obtain standard life insurance rates once proper cardiac evaluation rules out serious arrhythmias. Benign palpitations with normal testing typically qualify for standard rates, while complex arrhythmias may require specialized underwriting but remain insurable. From a life […] Read more

🎯 Bottom Line Up Front Can you get life insurance with otosclerosis? YES. Most people with otosclerosis can obtain standard life insurance rates. This hearing condition doesn’t affect life expectancy and is generally viewed favorably by insurance companies. Even those requiring surgical treatment typically qualify for standard rates once recovery is complete. From a life […] Read more

Receiving a polycythemia diagnosis, whether through a routine blood test showing high red blood cell counts or through experiencing symptoms like fatigue and headaches, can make securing life insurance seem challenging. Terms like myeloproliferative neoplasms, phlebotomy, or JAK2 mutations may feel overwhelming and cause you to start worrying about your family’s financial future. The good […] Read more

🎯 Bottom Line Up Front Can you get life insurance with quadriplegia? LIMITED. Traditional life insurance is extremely challenging for quadriplegia cases due to significant mortality risk factors. However, specialized products, group coverage, and guaranteed issue policies may provide limited options. Coverage availability depends on injury level, stability, complications, and overall health status. Quadriplegia, also […] Read more

A Sjogren’s syndrome diagnosis, marked by symptoms like dry eyes and mouth, often raises concerns about securing life insurance. As an autoimmune disease, it fuels fears that applications will face high premiums or denials, especially with conflicting advice or online misinformation. Yet, well-managed Sjogren’s doesn’t rule out coverage. Sure, underwriting may be stricter, but options […] Read more

🎯 Bottom Line Up Front Can you get life insurance with spina bifida? DEPENDS. Mild spina bifida occulta often qualifies for standard rates, while myelomeningocele requires specialized underwriting but remains insurable. Coverage depends on spina bifida type, severity, complications, functional status, and overall health management. Most cases find appropriate coverage with proper application strategy. Spina […] Read more