Pre-Existing Conditions

All life insurance companies have different underwriting guidelines, but some are more lenient than others.  We’ve helped many people with Bundle Branch Block because we know who will view your condition most favorably. Underwriters will require…

Although this may sound worrisome, applying to companies who view Cushing’s more favorably than others will help you get the best policy.  We’ve helped many clients with Cushing’s buy life insurance.  We know how each company views the condition and…

For life insurance companies, the main issues with blood clots are the severity and the timeframe. The incidence doesn’t usually result in an automatic decline. But the company is very likely to charge a higher premium to compensate for the additional risk that blood clots create.

Since gout isn’t a fatal condition, and rarely causes serious complications, your application should be approved. If you only have occasional attacks, you may be eligible for Preferred status, or even Preferred-Plus. These ratings will enable you to get the lowest priced premium for your…

44-year-old woman. Diagnosed with rheumatoid arthritis 3 years ago. Mild joint discomfort and one flare-up. Does not take medication for RA and able to control…

With extreme episodes of hypoglycemia, you could experience fainting. That would be dangerous were it to happen while you’re driving. The symptoms can be exacerbated by consumption of alcohol. Insurance companies have to take these situations into consideration in evaluating your policy. In most cases…

Is The Savings Bank Mutual Life Insurance Company of Massachusetts the right life insurance company for you? It’s impossible to know until you determine if you meet their requirements and know what your other life…

Protective is in the business of providing financial protection for your beneficiaries. But they are also in the business of judging risk. So before they’ll sell you a policy and quote you a rate, they’ll perform a risk assessment.  This assessment measures your…

In addition, they may or may not require you to have a health exam.  If your current cholesterol levels meet their thresholds for the best rates, you may want to go ahead with the physical.  At times, you may be able to skip the medical exam in exchange for rates that are…

In addition to helping you protect your family’s financial stability, North American is in the business of judging risk.  So before they’ll sell you a policy and quote you a rate, they’ll perform a risk assessment.  This assessment measures your risk of death against their…

Life insurance companies are in the business of judging risk and will base their decisions and your premium payments off this risk analysis. High blood sugar can have adverse effects on the body leading to a stroke or accelerating the development of…

If you have high cholesterol and are looking for affordable life insurance, Mutual of Omaha is a well-known company and certainly one to consider.   Here we’ll tell you how to qualify for their best rates and explain how they view this health condition. We’ll also try to answer all of your…