A scleroderma or CREST syndrome diagnosis creates immediate concerns about securing life insurance protection for your family’s financial future, especially when well-meaning friends suggest that autoimmune conditions make coverage impossible. Fortunately for those with this diagnosis, the reality of the situation proves to be far more nuanced, with multiple coverage pathways available depending on your […] Read more

🎯 Bottom Line Up Front Can you get life insurance with optic neuritis? YES, but coverage depends on the underlying cause. Isolated optic neuritis often qualifies for standard rates, while cases associated with multiple sclerosis or other autoimmune conditions face more scrutiny. The key factors are recurrence patterns, underlying diagnoses, visual recovery, and time since […] Read more

🎯 Bottom Line Up Front Can you get life insurance with idiopathic peripheral polyneuritis? YES, but coverage depends on severity and progression. Mild, stable cases often qualify for standard to table 2 rates, while progressive or severe presentations face more scrutiny. The key factors are functional limitations, disease progression, treatment response, and ruling out underlying […] Read more

🎯 Bottom Line Up Front Can you get life insurance with renal artery stenosis? YES, but coverage depends on severity and cardiovascular risk factors. Mild stenosis often qualifies for standard to table 2 rates, while severe stenosis or cases with kidney dysfunction face more scrutiny. The key factors are degree of stenosis, blood pressure control, […] Read more

🎯 Bottom Line Up Front Can you get life insurance with sick sinus syndrome? YES, but coverage depends on symptoms and treatment response. Asymptomatic cases or those well-controlled with pacemakers often qualify for standard to table 4 rates, while severe symptomatic cases face more scrutiny. The key factors are symptom severity, pacemaker status, underlying heart […] Read more

A sarcoidosis diagnosis can feel overwhelming, raising questions about your health and how to protect your family’s future. You might worry that this condition, with its inflammation and unpredictable nature, could make it hard to secure life insurance or lead to rejections. The good news is that sarcoidosis doesn’t automatically rule out life insurance coverage. […] Read more

🎯 Bottom Line Up Front Can you get life insurance with sciatica? YES, absolutely. Most people with sciatica can obtain life insurance at standard or near-standard rates, especially when symptoms are well-managed. The key factors are pain severity, functional limitations, treatment response, underlying cause, and work capacity. Even chronic sciatica cases typically face minimal impact […] Read more

🎯 Bottom Line Up Front Can you get life insurance with pulmonary hypertension? IT DEPENDS on the type and severity. Mild secondary pulmonary hypertension may qualify for table 4-8 rates, while severe or idiopathic pulmonary arterial hypertension typically faces decline or very high rates. The key factors are WHO functional class, underlying cause, treatment response, […] Read more

🎯 Bottom Line Up Front Can you get life insurance with Polyarteritis Nodosa? YES, but approval depends on disease severity, organ involvement, and treatment response. While PAN is a serious vasculitis condition, many individuals with well-controlled disease can obtain coverage ranging from standard rates to moderate table ratings, with careful carrier selection being crucial for […] Read more