🎯 Bottom Line Up Front Can you get life insurance with pneumoconiosis? It depends on severity and progression. Early-stage cases with stable symptoms may qualify for table ratings, while advanced pneumoconiosis typically requires individual assessment or may face coverage limitations. The type of pneumoconiosis, degree of lung impairment, and occupational exposure history are critical determining […] Read more

🎯 Bottom Line Up Front Can you get life insurance with pancytopenia? It depends on the underlying cause and severity. Pancytopenia cases typically require individual assessment, with outcomes ranging from table ratings for stable, well-defined causes to coverage limitations for severe or progressive cases. The underlying etiology, treatment response, and bone marrow function are critical […] Read more

🎯 Bottom Line Up Front Can you get life insurance with otitis media? YES. Most individuals with otitis media, whether acute or chronic, can qualify for standard or better rates. This common ear condition rarely impacts life insurance coverage unless complicated by serious infections, hearing loss, or underlying immune system disorders. Otitis media is one […] Read more

🎯 Bottom Line Up Front Can you get life insurance with neuritis? It depends on the type and underlying cause. Simple cases like Bell’s palsy or temporary peripheral neuritis often qualify for standard or better rates, while chronic inflammatory conditions or autoimmune-related neuritis typically require standard to table ratings. The specific nerves affected, underlying etiology, […] Read more

🎯 Bottom Line Up Front Can you get life insurance with portal hypertension? DEPENDS. Coverage availability depends heavily on the underlying cause, severity, treatment response, and current liver function. Mild cases with well-controlled underlying conditions may qualify for standard to table ratings, while severe cases with complications typically require individual assessment or may face coverage […] Read more

🎯 Bottom Line Up Front Can you get life insurance with osteomyelitis? YES. Acute osteomyelitis that has been successfully treated and resolved typically qualifies for standard or better rates. Chronic osteomyelitis requires individual assessment, with coverage prospects depending on severity, recurrence history, and current treatment effectiveness. Osteomyelitis is a bone infection caused by bacteria, fungi, […] Read more

Author: Insurance Brokers USA Team Updated: September 2025 Reading Time: 10 minutes A spinal cord injury resulting in paraplegia fundamentally changes your life perspective, including urgent questions about protecting your family’s financial future. The good news is that, contrary to many widespread misconceptions, paraplegia doesn’t automatically disqualify individuals from life insurance coverage. Sure, it’s true […] Read more

🎯 Bottom Line Up Front Can you get life insurance with arteriosclerosis obliterans? DEPENDS. Mild cases with good walking tolerance may qualify for standard to table ratings, while severe cases with significant symptoms, poor exercise tolerance, or complications typically require individual assessment or face coverage limitations. Arteriosclerosis obliterans, also known as peripheral artery disease (PAD), […] Read more

🎯 Bottom Line Up Front Can you get life insurance with patent ductus arteriosus? YES. Small, hemodynamically insignificant PDAs that have been surgically corrected typically qualify for standard or better rates. Uncorrected PDAs and those with complications require individual assessment based on size, symptoms, and pulmonary pressure measurements. Patent ductus arteriosus (PDA) is a congenital […] Read more