Pre-Existing Conditions

Life insurance underwriters will view the application of someone whose back pain is caused by a serious health problem such as cancer very differently than someone with an overuse injury.  Those differences directly impact rates, lead to denials, and are the reason for…

One question we’re regularly asked is how to buy life insurance after a heart stent procedure. New clients are often worried that they missed their chance to buy life insurance or the cost will be out of reach once faced with the reality that they need it. We’re always happy to tell people that

As with any preexisting disease, life insurance companies are going to take a careful look at your application.  The truth is, qualifying for coverage is going to be harder than if you were in perfect health. Understanding how…

Since Kyphosis is highly treatable, it’s typically not a major issue for life insurance companies. You will likely be approved for your policy, and typically at standard or preferred rates. Only when the condition is extreme is there the possibility of…

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…