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life insurance with pre-existing conditions


Here at IBUSA, our clients will often ask us…

“What makes us so different and unique?”

To which we always answer, we’re UNIQUE because of our commitment to helping EVERYONE.

Even those who can’t seem to find coverage elsewhere!

A simple statement that we back up by:

First…  Helping all of our clients understand what it is that may prevent them form being able to qualify for the insurance that they’re looking for.

Second…  Helping these same clients determine which life insurance company is more likely going to provide them with the best opportunity for success.

From there…

We’ll then reach out too many of the top life insurance companies before actually applying for coverage.  This way we can get their “initial impression” on whether or not they would be willing to approve your application.

By taking this extra step in the beginning, we’ll usually eliminate any potential life insurance companies not willing to insure you, thereby allowing us to focus all of our attention on those companies who potentially will!

And while…

This approach may seem rather simple, one would be amazed by how many life insurance brokerages that are out there (Particularly the ones who operate as a nationwide call center) that fail to implement these easy and basic steps to order help their clients succeed.

Now since the first step in our process is to help folks identify what conditions may prevent them from being able to qualify for the life insurance policy that they’re looking for, we decided what better way to help our clients than to provide a breakdown of some of the most common pre-existing medical conditions that we often encounter.

Hopefully…

One of the following article help shed light on what it may take for you to qualify for the coverage that you’re looking for, as well as convince you that it’s time to give us a call!

A.

Abdominal Aortic Aneurysm

Acid Reflux

Acromegaly

Addison’s Disease

ADHD

Agorphobia

AIDS

Alcoholism

Alport Syndrome (Hereditary Nephritis)

ALS

Alzheimer’s Disease

Amenorrhea

Amyloid Disease

Amyloidosis

Amyotrophic Lateral Sclerosis (ALS)

Anemia

Aneurysm

Angina

Angioplasty

Ankylosing  Spondylitis

Anorexia Nervosa

Anxiety

Aortic Aneurysm

Aortic Murmur

Aplastic Anemia

Arrythmia

Arteriosclerosis Obliterans

Arteriovenous Malforation

Arthritis

Artificial Heart Valve

Asbestosis

Ascites

Asthma

Asymmetric Septal Hypertrophy

Atrial Fibrillation 

Atrial Flutter

Atrial Septal Defect

Atrioventricular Block

Attention Deficit Hyperactivity Disorder (ADHD)

B.

 


Bacterial Endocarditis

Bariatric Sleeve

Bariatric Surgery

Barlow’s Syndrome

Barrett’s Esophagus

Basal Cell Carcinoma

Bechterew’s Disease

Bell’s Palsy

Benign Prostatic Hyperplasia

Berger’s Disease

Berry Aneurysm

Bicuspid Aortic Valve

Bigeminy

Biliary Cirrhosis

Biliary Colic

Billowing Mitral Leaflet Syndrome

Bipolar Disorder

Bladder Cancer

Blind

Blood Clot

Blood Pressure

Bone Marrow Aplasia

Bone Marrow Failure

Brachial Palsy

Bradycardia

Breast Cancer

Bronchiectasis

Bronchitis (Chronic)

Buerger’s Disease

Bundle Branch Blocks (EKG)

Bypass Surgery (Cardiac)

C.

 


Cancer

Cardiac Bypass Surgery

Cardiac Failure

Cardiac Pacemaker

Cardiomyopathy

Cardiovascular Disease

Carotid Bruits

Carotid Sinus Syncope

Celiac Disease (Recovered)

Cerebral Embolism

Cerebral Palsy

Cerebral Sclerosis (DIffuse)

Cerebral Thrombosis

Cerebrospinal Meningitis

Cerebrovascular Accident

Cervical Cancer

Charcot Marie-Tooth Disease

Chest Pain (Non-cardiac)

Cholangitis (Recovered)

Cholecystitis (Recovered)

Cholesterol (Elevated)

Chondrocalcinosis (Pseudogout)

Chorea (Huntinton’s and Syndenham’s)

Christmas Disease (Factor IX Deficiency, Hemophilia B)

Chronic Obstructive Pulmonary Disease (COPD)

Chronic Kidney Disease

Chronic Lymphocytic Thyroiditis

Cirrhosis

Claudication

Click-Murmur Syndrome

Coarctation of the Aorta

Cocaine

Coccidioidomycosis (Valley Fever)

Colitis (Ulcerative)

Colon Cancer

Colon Polyps

Complete Heart Block

Congestive Heart Failure

Convulsions

COPD

Coronary Bypass Surgery

Coronavirus

Cor Pulmonale

Costochondritis

COVID 19

Cranial Arteritis

Crest Syndrome

Crohn’s Disease

Cushing’s Disease

Cyclical Edema

Cystic Fibrosis

Cystitis

D.

 


Dementia

Depression

Diabetes

Diabetes Insipidus (DI)

Dialysis

Diffuse Cerebral Sclerosis (Schilder’s Disease)

Diplopia

Disability

Diverticulitis

Diverticulosis

Double Vision

Down’s Syndrome

Drug Abuse

Dubin-Johnson Syndrome

DUI

Duodenal Ulcers

DWI

E.

 


Eating Disorder

Eclampsia (Recovered)

Ecstasy

Elevated Blood Pressure Levels

Elevated Cholesterol Levels

Emphysema

Empyema (Recovered)

Encephalitis

Endocarditis

Emdometrial Cancer

Endometriosis

End Stage Kidney Failure

Enlarged Prostate

Enteritis

Epididymitis (Recovered)

Epilepsy

Erb’s Palsy

Erythema Mulitforme (Recovered)

Erythema Nodosum (Recovered)

Esophageal Ulcers

Esophageal Varices

F.

 


Factor IX Deficiency

Felony

Fibromyalgia

Fistula-in-Ano

Floppy Valve Syndrome

Focal Glomerulonephritis

Functional Heart Murmur

Fusiform Aneurysm

G.

 


Gastric Bypass

Gastric Ulcers

Gastritis

Gastroesophageal Reflux Disease (GERD)

Gastroplasty

Generalized Anxiety

Gestational Diabetes

Giant Cell Arteritis

Giantism

Gilbert’s Syndrome

Glaucoma

Glomerulonephritis (Nephritis)

Goiter

Gout

Grave’s Disease

Guillain-Barre Syndrome

H.

 


Haemodialysis

Hashimoto’s Disease

Heart Attack

Heart Block

Heartburn

Heart Bypass Surgery

Heart Disease

Heart Failure

Heart Murmur

Heart Palpitations

Heart Valve Replacement

Hemiblock

Hemochromatosis

Hemodialysis (Renal Failure)

Hemophilia B (Factor IX Deficiency)

Hepatic Failure

Hepatitis (A, B, or C)

Hereditary Nephritis (Alport Syndrome)

Heroine

Herpes

High Blood Pressure

High Cholesterol

Hirschsprung’s Disease

Histoplasmosis

HIV

Hives

Hodgkin Lymphoma

Huntington’s Chorea

Hydrocepthalus

Hypercortisolism

Hyperlipidemia

Hyperparathyroidism

Hyperpituitarism

Hypertension

Hyperthyroidism

Hypertrophic Cardiomyopathy (HCM)

Hypertrophic Obstructive Cardiomyopathy (HOCM)

Hypocortoisolism

Hypogammaglobulinemia

Hypoglycemia (Functional)

Hypoparathyroidism

Hypothyroidism

Hysterectomy

I.

 


Idiopathic Hypertrophic Sub-aortic Stenosis (IHSS)

IGA Nephropathy

Ilietis

Innocent Heart Murmur

Intellectual Disability

Intestinal Bypass

Iritis

Irritable Bowel Syndrome (IBS)

J.

K.


Kidney Cancer

Kidney Failure

Kidney Infection (Pyelonephritis)

Kidney Transplant

Kimmelsteil-Wilson Disease

Kyphosis

L.

 


Labyrinthitis (Recovered)

Left Anterior Fascicular Block

Left Anterior Hemiblock

Left Bundle Branch Block

Legionnaire’s Disease (Recovered)

Leukemia

Lipoid Nephrosis

Liver Cancer

Liver Failure

Liver Transplant

LSD

Lou Gehrig’s Disease

Lung Cancer

Lupus

Lupus Discoid (Without Complications)

Lupus Nephritis

Lymphoma (Kidney)

M.

 


Major Depression

Mallory-Weiss Syndrome (Present)

Manic-Depressive Disorders

Marfan’s Syndrome

Marijuana Use

Megacolon

Melanoma 

Meniere’s Disease

Meningitis

Mental Health Issues

Mental Retardation

Methamphetamine

Migraine

Mitral Valve Prolapse

Mononucleosis (Recovered)

Morphea (Mild)

Murmur

Mutiple Sclerosis

Muscular Dystrophy

Myasthenia Gravis (MG)

Myocardial Infarction

Myocarditis

Myositis

N.


 Narcolepsy

Nephrectomy (Benign)

Nephritis

Neuritis (Cause unknown)

Non-Hodgkin Lymphoma

 

O.

 


Obesity

Obsessive-Compulsive Disorder (OCD)

Optic Neuritis (Cause unknown)

Organic Brain Syndrome

Organ Transplant

Orthostatic Hypotension (Idiopathic)

Osteoarthritis

Osteomyelitis

Osteoporosis

Osteitis Deformans (Paget’s Disease)

Otitis Media (Recovered)

Otosclerosis

Ovarian Cancer

Overactive Parathyroid

Overactive Thyroid

Overweight

P.

 


Pacemaker

Paget’s Disease (Osteitis Deformans)

Palpitations

Pancreatic Cancer

Pancreatitis

Pancytopenia

Panic Attack

Paraplegia

Parkinson’s Disease

Paroxysmal Supraventricular Tachycardia (PSVT)

Patent Ductus Arteriosus (PDA)

PCP

Peptic Ulcers

Percarditis

Peripartum Depression (Postpartum Depression)

Peripheral Polyneuritis (Cause unknown)

Peripheral vascular Disease

Persistent Depressive Disorder

Peritoneal Dialysis

Peyronie’s Disease

Phlebitis

Phobia

Pneumoconiosis

Polio

Poliomyelitis 

Polyarteritis Nodosa

Polycystic Kidney Disease

Polycythemia

Polyp (Intestinal, benign)

Portal Hypertension

Postpartum Depression

Post Traumatic Stress Disorder (PTSD)

Pregnancy

Premature Atrial Contraction

Premature Ventricular Contraction

Premenstrual Dysphoric Disorder

Prescription Drug Abuse

Primary Adrenal Insufficiency

Primary Biliary Cirrhosis

Prinzmetal Angina

Prostate Cancer

Proteinuria

Pseudogout (Condrocalcinosis)

Psoriasis

Psoriatic Arthritis

Psychotic Depression

PTSD

Pulmonary Hypertension

Pulmonary Infarction

Pyelonephritis (Kidney Infection)

Q.


Quadriplegia


 

R.


Raynaud’s Disease or Phenomenon

Reactive Arthritis (Reiter’s Syndrome)

Reginal Ileitis (Enteritis or Crohn’s Disese)

Reiter’s Syndrome

Renal Artery Stenosis

Renal Cancer

Renal Failure

Renal Transplant

Rheumatoid Arthritis

Right Bundle Branch Block

S.

 


Saccular Aneurysm

Sarcoma (Kidney)

Sarcoidosis

Sciatica

Scleroderma (Crest Syndrome)

Sclerosing Cholangitis

Scoliosis

Seasonal Affective Disorder (SAD)

Seizures

Seminoma

Schilder’s Disease (Diffuse Cerebral Sclerosis)

Schizophrenia

Sickle Cell Anemia

Sick Sinus Syndrome

Sinus Tachycardia

Sjogren’s Syndrome

Skin Cancer

Sleep Apnea

Sleeve Gastrectomy

Smoker

Social Phobia

Spina Bifida

Sprue (Recovered)

Stomach Ulcer

Stroke

Squamous Cell Carcinoma

Suicide Attempt

Supraventricular Tachycardia (SVT)

Syncope (Vasovagal Reaction)

Sydenham’s Chorea

Systemic Necrotizing Vasculitis

Systemic Lupus Erythematosus (SLE)

T.

 


Tachycardia

Temporal Arteritis

Testicular Cancer

Tetralogy of Fallot

Tetraplegia

Thoracic Aortic Aneurysm

Thyroid Cancer

Thyroiditis

Transient Ischemic Attack

Transplant (Other than kidney)

Trisomy

Type 1 Diabetes

Type 2 Diabetes

U.

 


Ulcer

Ulcerative Colitis

Urinary Tract Infection (UTI)

Urothelial Carcinoma

Urticaria

Uterine Cancer

V.

 


Valley Fever (Coccidioidomycosis)

Varices

Vasovagal Reaction

Vasculitis

Vertical Banded Gastroplasty (VBG)

Ventricular Septal Defect (VSD)

Ventricular Tachycardia (VT)

Von Willebrand’s Disease

W.

 


Weight Loss Surgery

Wilms Tumor

Wolff-Parkinson-White Patter (WPW)

X.

Y.

Z.