🎯 Bottom Line Up Front
While glaucoma itself doesn’t directly cause death or reduce life expectancy, it serves as a marker for several factors that interest life insurance underwriters. First, glaucoma is associated with other health conditions, including diabetes, hypertension, and cardiovascular disease. Second, severe vision loss from glaucoma can increase accident risk and limit daily functioning. Third, certain types of glaucoma like angle-closure glaucoma can signal underlying health issues.
This comprehensive guide explains how insurance companies evaluate glaucoma, what documentation strengthens your application, which factors influence your rates, and strategies for securing the best possible coverage whether you have early-stage disease or more advanced glaucoma with vision impairment.
Americans living with glaucoma
Don’t know they have it
Normal eye pressure range (mmHg)
Pressure reduction often needed
Understanding How Glaucoma Affects Life Insurance
Key insight: Glaucoma itself has minimal mortality impact, so early-stage, well-controlled glaucoma typically receives very favorable underwriting with standard to slight ratings.
Unlike conditions that directly shorten life expectancy, glaucoma primarily affects vision rather than mortality. This fundamental fact shapes underwriting philosophy—insurance companies recognize that controlled glaucoma with minimal vision loss poses little direct risk to life expectancy. However, underwriters consider glaucoma in the context of your overall health profile and evaluate specific risk factors associated with the condition.
The underwriting concern with glaucoma centers on three main areas. First, what does your glaucoma reveal about your overall health? Glaucoma is more common in people with diabetes, hypertension, and cardiovascular disease, so its presence prompts careful review of these systems. Second, have you experienced significant vision loss that could increase accident risk? Severe visual impairment can increase fall risk, driving accidents, and difficulty managing other health conditions. Third, does your glaucoma type or pattern suggest an underlying serious condition?
Minimal Impact Scenarios
- Early-stage open-angle glaucoma
- Well-controlled eye pressure
- No significant vision loss
- Good treatment compliance
- No associated systemic disease
- Regular ophthalmologist monitoring
Moderate Concern Factors
- Moderate glaucoma with some field loss
- Difficulty achieving target pressure
- Multiple medications required
- Recent surgical intervention
- Glaucoma with diabetes or hypertension
Higher Risk Factors
- Advanced glaucoma with severe vision loss
- Uncontrolled intraocular pressure
- Legal blindness or near-blindness
- Recurrent angle-closure attacks
- Multiple failed surgical interventions
For more insights on how various medical conditions affect coverage decisions, see our comprehensive guide on Life Insurance Approvals with Pre-Existing Medical Conditions.
Why Most Glaucoma Cases Have Minimal Insurance Impact:
The vast majority of glaucoma patients with early-stage disease and good pressure control can obtain life insurance at standard rates or with only modest premium increases. Modern treatment options including eye drops, laser procedures, and surgical interventions effectively control intraocular pressure in most patients, preventing vision loss progression. When glaucoma is detected early through routine eye exams and managed appropriately, it typically remains a minor medical condition from an insurance underwriting perspective.
Insurance actuaries recognize that people with well-controlled glaucoma have mortality rates comparable to the general population. Unlike conditions where the disease itself shortens life, glaucoma’s primary impact is on vision, not longevity. This actuarial reality translates to favorable underwriting for the majority of glaucoma patients.
Professional Insight
“We routinely secure standard rates for clients with early to moderate open-angle glaucoma who demonstrate good pressure control and minimal vision loss. Even clients with more advanced disease can typically obtain coverage, though with higher ratings. The key is showing treatment compliance, regular ophthalmology follow-up, and stable or slowly progressive disease rather than rapid deterioration. Glaucoma alone rarely prevents someone from obtaining life insurance—it’s the associated conditions or severe vision impairment that occasionally complicate underwriting.”
– InsuranceBrokers USA – Management Team
What Underwriters Evaluate in Glaucoma Cases
Key insight: Underwriters focus on glaucoma type, disease stage, intraocular pressure control, visual field preservation, and treatment response rather than simply the presence of a glaucoma diagnosis.
When reviewing a life insurance application from someone with glaucoma, underwriters request specific medical documentation including ophthalmology consultation notes and follow-up records, intraocular pressure measurements over time, visual field test results showing extent of vision loss, optic nerve imaging (OCT scans) if available, current medication regimen and treatment history, and records of any laser procedures or glaucoma surgery performed.
Critical Underwriting Criteria:
| Assessment Factor | What Underwriters Review | Impact on Decision |
|---|---|---|
| Glaucoma Type | Open-angle, angle-closure, normal-tension, secondary | Type indicates underlying cause and prognosis |
| Disease Stage | Early, moderate, advanced, or severe | Primary determinant of rating severity |
| Intraocular Pressure | Current IOP and pressure control over time | Well-controlled pressure crucial for favorable rating |
| Visual Field Loss | Extent and pattern of field defects | Significant loss increases rating due to accident risk |
| Visual Acuity | Best corrected vision in each eye | Severe impairment or blindness major negative factor |
| Treatment Response | Pressure reduction achieved, disease stabilization | Good response indicates favorable prognosis |
| Progression Rate | Stable vs rapidly worsening field loss | Progressive disease raises concerns |
| Associated Conditions | Diabetes, hypertension, cardiovascular disease | Compounds overall mortality risk assessment |
Understanding Intraocular Pressure and Target Goals:
Normal intraocular pressure ranges from 12 to 21 mmHg, though some people develop glaucoma at normal pressures (normal-tension glaucoma) while others tolerate higher pressures without damage. Treatment aims to reduce pressure by 25-30 percent from baseline or achieve specific target pressures based on disease severity, typically 12-15 mmHg for early glaucoma and lower for advanced disease.
Underwriters review your pressure measurements over time to assess control. Consistently achieving target pressures demonstrates effective treatment. Fluctuating pressures or persistent elevation despite treatment suggests more aggressive disease or poor medication compliance, both of which worsen your underwriting profile.
Visual Field Testing and Functional Vision:
Visual field tests map your peripheral vision and detect areas of vision loss from glaucoma. Underwriters use these results to stage your disease and assess functional impairment. Early glaucoma shows minimal field loss, moderate disease shows clear defects in peripheral vision, and advanced glaucoma involves significant field loss potentially approaching central vision.
From an insurance perspective, the functional impact matters more than technical staging. Someone with moderate glaucoma who maintains good central vision and can perform all daily activities normally poses less risk than someone with severe peripheral field loss who has difficulty with navigation, driving, or recognizing obstacles.
⚠️ The Importance of Bilateral Disease Assessment
Underwriters evaluate each eye separately. Glaucoma affecting both eyes is more concerning than unilateral disease because complete vision loss is more likely if both optic nerves are damaged. However, asymmetric disease where one eye has early glaucoma and the other is more advanced is common. In these cases, underwriters focus on the better eye’s status while considering overall visual function. If you have good vision preserved in at least one eye, this significantly improves your underwriting outcome compared to bilateral advanced disease.
Coverage Prospects by Glaucoma Type and Stage
Key insight: Early-stage glaucoma typically qualifies for standard rates, while advanced disease with significant vision loss results in moderate to higher premium increases.
Primary Open-Angle Glaucoma (Most Common):
Primary open-angle glaucoma (POAG) accounts for about 90 percent of glaucoma cases. It develops gradually as the eye’s drainage system becomes less efficient, causing pressure to build up slowly over months or years. Because POAG progresses slowly and responds well to treatment when caught early, it generally receives the most favorable insurance underwriting among glaucoma types.
Early-Stage POAG – Well Controlled
Insurance Outlook: Standard rates highly achievable
- Minimal optic nerve damage and visual field loss
- Intraocular pressure well-controlled on one or two medications
- Vision preservation with good visual acuity in both eyes
- Regular monitoring with stable results over time
- Good medication compliance documented
Expected Rating: Standard rates or at most Table 1-2 (0-50% premium increase)
Moderate POAG
Insurance Outlook: Table ratings but coverage readily available
- Clear visual field defects but central vision preserved
- Pressure controlled but may require multiple medications or laser treatment
- Stable disease without rapid progression
- Some optic nerve damage visible on examination
- Most carriers will approve with modest ratings
Expected Rating: Table 2-4 (50-100% premium increase) typical
Advanced POAG with Significant Vision Loss
Insurance Outlook: Higher ratings but generally insurable
- Extensive visual field loss, possibly threatening central vision
- May have required surgical intervention
- Difficulty achieving target pressures
- Functional impairment from vision loss
- Careful carrier selection important
Expected Rating: Table 4-8 (100-200% premium increase) depending on visual function and other factors
Angle-Closure Glaucoma:
Angle-closure glaucoma occurs when the drainage angle becomes blocked suddenly (acute angle-closure) or gradually (chronic angle-closure). Acute angle-closure is a medical emergency causing rapid pressure elevation, severe pain, and potential permanent vision loss if not treated immediately.
From an underwriting perspective, a history of acute angle-closure attack raises more concerns than chronic open-angle glaucoma. The emergency nature of the condition, potential for recurrence (even after laser treatment), and association with other anatomical eye issues make underwriters more cautious. However, after successful laser peripheral iridotomy in both eyes to prevent recurrence, most people with past angle-closure can obtain coverage with Table 2-6 ratings depending on any residual vision loss.
Normal-Tension Glaucoma:
Normal-tension glaucoma (NTG) causes optic nerve damage despite normal intraocular pressures, typically below 21 mmHg. This variant raises questions about vascular insufficiency to the optic nerve and may indicate underlying cardiovascular or systemic vascular disease. Underwriters evaluate NTG cases carefully for associated cardiovascular risk factors, as the condition suggests impaired blood flow that could affect other organs.
Insurance outcomes for NTG depend heavily on whether underlying vascular disease is present. Isolated NTG with good disease control receives similar ratings to open-angle glaucoma at equivalent disease stages. However, NTG with documented cardiovascular disease, history of stroke or TIA, or other vascular conditions results in higher ratings reflecting the combined risk.
Secondary Glaucoma:
Secondary glaucoma results from other conditions like uveitis, trauma, steroid use, or diabetes complications. Underwriting focuses on the underlying cause as much as the glaucoma itself. Steroid-induced glaucoma that resolves after stopping steroids may have minimal long-term impact. Glaucoma from chronic uveitis or trauma receives case-by-case evaluation. Neovascular glaucoma from diabetic retinopathy indicates severe diabetes complications and results in high ratings reflecting the diabetes severity.
✓ Best Scenario for Standard Rates
You have the best chance of securing standard life insurance rates if:
- Early-stage open-angle glaucoma detected on routine eye exam
- Intraocular pressure well-controlled (at target) on simple medication regimen
- Minimal or no visual field loss documented
- Visual acuity 20/40 or better in both eyes
- No rapid progression over past 1-2 years
- Good compliance with medications and follow-up appointments
- No associated diabetes, uncontrolled hypertension, or cardiovascular disease
- Diagnosis for at least 12 months with demonstrated stability
How Vision Loss Impacts Insurability
Key insight: The degree of functional vision loss from glaucoma significantly influences insurance ratings, with legal blindness or near-total vision loss resulting in the highest premium increases.
Defining Vision Impairment Levels:
Visual acuity and visual field extent together determine functional vision. Legal blindness is defined as best corrected visual acuity of 20/200 or worse in the better eye, or visual field restricted to 20 degrees or less. Severe visual impairment falls between normal vision and legal blindness. Underwriters consider both measures when assessing accident risk and functional limitation from glaucoma.
Insurance Impact by Vision Status:
| Vision Status | Functional Impact | Typical Insurance Rating |
|---|---|---|
| Normal or near-normal vision | No functional limitation; can drive and work normally | Standard to Table 2 depending on glaucoma stage |
| Mild impairment | Some peripheral field loss but maintains good central vision | Table 2-4 typical |
| Moderate impairment | Significant field loss; may have driving restrictions | Table 4-6 common |
| Severe impairment | Major functional limitation; difficulty with mobility | Table 6-10 expected |
| Legal blindness | Cannot drive; significant daily living impact | Table 8-12 or higher; some carriers may decline |
| Total blindness | Complete vision loss; fully dependent for navigation | Very high ratings or decline; alternative coverage needed |
Why Vision Loss Matters for Underwriting:
Vision impairment increases mortality risk through several mechanisms. Fall risk increases significantly with reduced peripheral vision and depth perception, particularly in older adults where falls can lead to serious injury or death. Driving becomes more dangerous or impossible with significant field loss or reduced acuity, yet some visually impaired individuals continue driving, raising accident risk. Managing other health conditions becomes more difficult when you can’t see medication labels clearly or monitor blood sugar readings.
Additionally, severe vision loss can contribute to depression, social isolation, and reduced physical activity, all of which independently affect mortality risk. Underwriters recognize these indirect effects of vision impairment when assessing applications from people with advanced glaucoma.
❗ Blindness in One Eye
If you’re blind in one eye from glaucoma but have good vision in the other eye, underwriting focuses primarily on your functional vision with the good eye. While monocular vision does increase accident risk somewhat (reduced depth perception and peripheral vision on the blind side), the impact is far less severe than bilateral vision loss. Most carriers will rate monocular blindness at Table 4-6, allowing the better rating if your good eye has normal vision and your glaucoma is well-controlled in that eye. The key is demonstrating that your remaining eye is being monitored carefully and receiving aggressive preventive treatment.
Vision Loss Progression:
The rate of vision loss progression matters as much as current vision status. Stable moderate vision loss that hasn’t worsened in years suggests effective treatment and receives more favorable ratings than rapidly progressive vision loss even if current vision is still relatively preserved. Serial visual field tests showing stability over 2-3 years provide strong evidence of disease control.
Associated Health Conditions and Compound Risk
Key insight: Glaucoma rarely exists in isolation in high-risk individuals—associated conditions like diabetes, hypertension, and cardiovascular disease compound the underwriting assessment.
Glaucoma and Diabetes:
Diabetes significantly increases glaucoma risk, and the combination of both conditions raises underwriting concerns substantially. Underwriters evaluate whether you have additional diabetic eye disease like retinopathy alongside glaucoma, whether your diabetes is well-controlled, and whether you have other diabetes complications affecting kidneys, heart, or nerves.
If you have both glaucoma and diabetes, expect the combined conditions to result in higher ratings than either alone would warrant. Well-controlled type 2 diabetes with early glaucoma might result in Table 2-4 ratings, while poorly controlled diabetes with advanced glaucoma and retinopathy could result in Table 8+ ratings or potential decline.
Glaucoma and Hypertension:
Hypertension and glaucoma frequently coexist. While high blood pressure is a risk factor for developing glaucoma, the relationship is complex—some research also links low blood pressure with glaucoma progression, particularly in normal-tension glaucoma. Underwriters view well-controlled hypertension in someone with glaucoma as a neutral to slightly negative factor. Uncontrolled hypertension compounds concerns significantly.
Glaucoma and Cardiovascular Disease:
The presence of cardiovascular disease (coronary artery disease, stroke history, peripheral arterial disease) alongside glaucoma suggests systemic vascular problems. This combination, particularly with normal-tension glaucoma, raises significant underwriting concerns. The cardiovascular disease typically drives the insurance rating more than the glaucoma, but the combination indicates impaired vascular function affecting multiple organ systems.
Favorable Profile
- Glaucoma as isolated condition
- No diabetes or well-controlled type 2 diabetes
- Normal blood pressure or controlled hypertension
- No cardiovascular disease
- Healthy weight and active lifestyle
Outcome: Rated primarily on glaucoma severity alone
High Risk Profile
- Advanced glaucoma with vision loss
- Poorly controlled diabetes with retinopathy
- Uncontrolled hypertension
- History of stroke or heart disease
- Multiple medications for various conditions
Outcome: Very high ratings or potential decline; alternative coverage may be needed
Age-Related Considerations:
Glaucoma becomes more common with age, affecting about 1-2 percent of people over 40 and increasing to 10-15 percent of those over 80. When glaucoma develops at a typical age (60s-70s) and follows a standard pattern, underwriters view it as expected age-related disease. However, early-onset glaucoma (developing before age 40) raises concerns about aggressive disease, genetic factors, or underlying conditions that could affect overall mortality risk.
Optimizing Your Application for Best Rates
Key insight: Demonstrating excellent glaucoma control with comprehensive ophthalmology records is essential for achieving the best possible insurance rates.
Essential Documentation to Gather:
📋 Required Medical Records:
- Ophthalmology consultation and follow-up notes: Should document glaucoma type, stage, treatment plan, and response
- Intraocular pressure measurements: Serial IOP readings over 12-24 months showing control at target levels
- Visual field test results: Most recent fields plus earlier tests showing progression or stability
- Optical coherence tomography (OCT): Optic nerve imaging if available, particularly helpful for showing stability
- Visual acuity measurements: Best corrected vision in each eye
- Current medication list: Eye drops and any oral medications for glaucoma
- Surgical records if applicable: Laser treatments (trabeculoplasty, iridotomy) or glaucoma surgery (trabeculectomy, tube shunt, MIGS procedures)
Timing Your Application:
The best time to apply for life insurance with glaucoma is after you’ve demonstrated at least 12 months of good disease control. This timeline allows you to show multiple ophthalmology visits with stable pressures, document that visual fields aren’t rapidly worsening, prove medication compliance through consistent follow-up, and establish that you’re managing the condition responsibly with regular monitoring.
Avoid applying immediately after diagnosis before treatment effectiveness is established, during periods of poor pressure control or rapidly worsening vision, immediately after surgical intervention before outcomes are clear, or during workup for possible underlying causes if you have secondary glaucoma.
What to Disclose on Your Application:
Life insurance applications typically ask about eye diseases, vision problems, or specifically about glaucoma. You must disclose your glaucoma diagnosis honestly, including when diagnosed, what type of glaucoma you have, current treatments (medications, laser, surgery), current vision status in each eye, and frequency of ophthalmology follow-up.
Be prepared for follow-up questions about whether you’ve experienced vision loss, your current best corrected visual acuity, whether you can drive legally, any glaucoma surgeries or emergency treatments, and what other medical conditions you have (particularly diabetes and hypertension).
Professional Insight
“The clients who secure the best rates with glaucoma are those who provide comprehensive ophthalmology records upfront showing clear evidence of disease control. When we can present an application demonstrating two years of stable pressures at target levels, minimal progression on visual field testing, excellent medication compliance, and good functional vision, we routinely secure standard to Table 2 ratings even for moderate glaucoma. The documentation quality and completeness makes a substantial difference in underwriting outcomes.”
– Insurance Brokers USA Team, Medical Underwriting Specialists
⚠️ Don’t Hide Treatment Non-Compliance
If you’ve struggled with medication compliance—a common issue since glaucoma eye drops can be difficult to remember and uncomfortable—be honest about this if asked. Many people with glaucoma have had periods of poor compliance. What matters is whether you’ve recognized the problem and improved your adherence. Underwriters view current excellent compliance more favorably than past perfect compliance if your recent disease control is good. Insurance companies will see your ophthalmology visit frequency and pressure control patterns that reveal compliance issues regardless of what you report.
Best Carriers for Glaucoma Applicants
Key insight: While most major carriers underwrite glaucoma reasonably, some companies have more favorable guidelines for moderate to advanced cases.
Carrier Considerations for Glaucoma:
Most life insurance carriers view mild to moderate glaucoma favorably and offer competitive rates. However, for advanced glaucoma with significant vision loss, carrier selection becomes more important. Some companies have medical directors with ophthalmology backgrounds who better understand nuances of glaucoma staging and prognosis. Others have more standardized guidelines that may rate advanced cases more harshly.
Independent brokers who work with multiple carriers can identify which companies have offered the best rates for glaucoma cases similar to yours. Our Top 10 Best Life Insurance Companies in the U.S. (2025): Expert Broker Rankings can help identify carriers most likely to provide favorable consideration for various medical conditions including glaucoma.
Simplified Issue Options:
For applicants with moderate glaucoma who might receive Table 4-6 ratings with full underwriting, simplified issue policies sometimes provide comparable or better value. These policies ask health questions but don’t require medical exams or detailed medical record review. The tradeoff is higher base premiums and lower coverage limits (typically $50,000-$300,000), but for some glaucoma cases, the final cost may be competitive with a rated traditional policy.
Group Life Insurance:
If you have access to employer-sponsored group life insurance, maximize this benefit. Group policies typically provide guaranteed issue coverage up to certain amounts without medical underwriting. Additional voluntary coverage through group plans may use simplified underwriting that’s more lenient than individual market policies. For people with advanced glaucoma who might face high individual market ratings, group coverage often provides the best value.
Frequently Asked Questions
Will my life insurance rates be higher just because I have glaucoma?
Not necessarily. If you have early-stage glaucoma that’s well-controlled with good vision preservation, many carriers will offer standard rates with no premium increase. Glaucoma itself doesn’t shorten life expectancy, so underwriters focus on disease severity, associated conditions, and functional impairment rather than simply the diagnosis. Most people with mild to moderate glaucoma obtain insurance at standard to modest table ratings. Only advanced glaucoma with significant vision loss or poorly controlled disease typically results in higher premium increases.
Do I need to disclose glaucoma if it’s well-controlled and I have no vision loss?
Yes, you must disclose all diagnosed medical conditions regardless of how well-controlled they are. Insurance applications specifically ask about eye diseases and glaucoma. The insurance company will obtain medical records from all your physicians including your eye doctor, which will document your glaucoma diagnosis. Misrepresentation or omission can result in policy rescission or claim denial. The good news is that well-controlled glaucoma with no vision loss typically has minimal to no impact on your premium rates, so honest disclosure shouldn’t prevent you from obtaining excellent coverage.
Can I get life insurance if I’m legally blind from glaucoma?
Yes, though it will be more challenging and expensive than for people with normal vision. Legal blindness results in higher premium ratings, typically Table 8-12 or higher, reflecting increased accident risk and functional impairment. Some traditional carriers may decline, particularly if you have other significant health conditions alongside the blindness. However, many carriers will approve blindness cases with appropriate ratings. Group life insurance through employment often provides the best coverage opportunity for legally blind individuals. Guaranteed issue policies are also available though with limited coverage amounts and higher costs.
Should I wait to apply for life insurance until my glaucoma surgery heals?
Generally yes, it’s better to wait 3-6 months after glaucoma surgery to demonstrate good surgical outcomes before applying for insurance. Underwriters want to see that the surgery successfully lowered your pressure to target levels, that you didn’t experience complications, that your vision stabilized or improved, and that you don’t require additional surgical intervention. Applying immediately after surgery introduces uncertainty about your prognosis. However, if you need coverage urgently and had a routine successful procedure like selective laser trabeculoplasty, some carriers may approve you shortly after surgery with modest ratings.
How does having glaucoma in both eyes affect my life insurance rates?
Most glaucoma affects both eyes, so bilateral disease is the expected pattern and doesn’t automatically worsen your rates compared to unilateral disease. What matters is the severity in each eye and your overall functional vision. If both eyes have mild glaucoma with good control, you’ll likely receive standard or minimal ratings. If one eye has advanced disease but the other eye maintains good vision, underwriters focus primarily on the better eye’s status. The worst scenario is bilateral advanced glaucoma with significant vision loss in both eyes, which results in higher ratings due to substantial functional impairment and increased accident risk.
Does the type of glaucoma medication I use affect my insurance rates?
Not directly. Underwriters care more about whether your pressure is controlled at target levels rather than which specific medications achieve that control. Using multiple eye drops doesn’t necessarily indicate worse disease—some people simply require combination therapy to reach target pressure. However, if you’ve progressed through multiple medication classes and still struggle to control pressure, this suggests more aggressive disease which could affect your rating. Conversely, excellent pressure control on a single medication demonstrates easily managed disease. The key is showing good response to treatment regardless of the specific regimen.
Can I get approved if I have glaucoma and diabetes?
Yes, though the combination results in higher ratings than either condition alone would warrant. Both the glaucoma severity and diabetes control matter enormously. Well-controlled type 2 diabetes with early-stage glaucoma might result in Table 2-4 ratings. Poorly controlled diabetes with diabetic retinopathy plus advanced glaucoma could result in Table 8-plus ratings or potential decline. The presence of other diabetes complications (kidney disease, neuropathy, cardiovascular disease) compounds the concern further. Working with a broker experienced in complex medical cases helps identify carriers most likely to approve diabetes-glaucoma combinations at reasonable rates.
Will my premium rates improve over time if my glaucoma stays stable?
Unfortunately, life insurance premiums are locked in when your policy is issued and don’t automatically decrease even if your health remains stable or improves. However, you can potentially improve your rates by applying for a new policy after several more years of stability. If you received a rated policy shortly after diagnosis, reapplying after 3-5 years of demonstrated excellent control might qualify you for better rates with a new policy. Whether this makes financial sense depends on potential premium savings versus the cost of a new medical exam and underwriting. Your broker can help evaluate whether reapplying would be beneficial.
Ready to Secure Life Insurance with Glaucoma?
Don’t let your glaucoma diagnosis prevent you from protecting your family’s financial future. Whether you have early-stage disease or more advanced glaucoma with vision changes, our specialized team can help you navigate the underwriting process and identify carriers most likely to offer favorable rates for your specific situation.
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