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 from being able to qualify for the insurance that they’re looking for, whether that is a disease, medication, hobby, career, etc.
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 to 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 help their clients succeed.
Now since the first step in our process is to help folks identify what medical 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…
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.
