Pre-Existing Conditions

How Does Gestational Diabetes Affect Life Insurance?

Gestational diabetes is diabetes that develops during pregnancy. Diabetes itself is a disease in which the pancreas produces little or no insulin, or when the body does not respond properly to insulin. The condition affects the babies of untreated mothers. They can grow too large, which may result in injuries at delivery. Gestational diabetes is a common reason for...

Getting Life Insurance with Acromegaly

Acromegaly is a health condition that could either have very little effect on life insurance. Or it can make it impossible to get.It all depends on how far the disease has progressed. Getting life insurance with acromegaly has a lot to do with timing, as well as with how well you maintain your overall health. It’s a fairly rare condition, which means...

Life Insurance with Acid Reflux or GERD

In and of itself, acid reflux is not a major problem with life insurance, but rather the complications that can result from an advanced case. Acid reflux can result in damage to the esophagus, that can include ulceration. This can lead to...

North American Life Insurance and Hypertension

An underwriter will also look at your health history and past blood pressure readings. The best rates are reserved for those with readings under the maximum thresholds shown below. If the readings are above the thresholds, you may still be able to buy life insurance but at substandard rates established by what in the industry is

How Much Will You Pay for Life Insurance at Prudential with High Cholesterol?

Prudential is a very well known name in the life insurance industry. They are one of the first names that come to mind when people think about life insurance and a good all-around choice. But what if your cholesterol is a little high? Can you still get insured? Will it be expensive?

Life Insurance After a Hysterectomy – Possible Outcomes

If you are applying for life insurance after a hysterectomy, you can relax. In most cases, it won’t be a problem. Hysterectomies are performed for many reasons. Most have no effect on longevity. Any effect will only apply in very limited circumstances....

Life Insurance and Thyroid Cancer

Never assume that a history of cancer is a deal-breaker when it comes to life insurance. That used to be true, which is why so many people make the assumption. But advances in medical technology and treatment methods have enabled many cancer survivors to lead full lives. Insurance companies are keenly aware of the shift. It is now possible to....

How Proteinuria Will Affect Life Insurance Rates and Approvals

Proteinuria is a well known in the insurance industry but most people don't know it exists! Can you get life insurance with proteinuria? In most cases yes. You can get a policy with standard or preferred rates, but it depends on the condition and your overall health....

How Prudential Looks at High Blood Pressure for Life Insurance Rates

Underwriters will look at average BP levels over the past 12 months. If an applicant’s readings are above the maximum thresholds, you can still get approved, but with substandard rates using what are known in the industry as table ratings....

How Glaucoma Affects Life Insurance Rates

Taking the first step to finding life insurance when you have any medical issue can be scary. But it doesn't have to be: It is possible to find good (and affordable) life insurance even if you suffer from glaucoma. We'll show you how. After this article, you’ll know exactly...

Finding Life Insurance After Bariatric Surgery

You can get approved for life insurance after a weight loss surgery such as gastric bypass. Complications will need to be minimal and typically a period of at least 6 months (often 12) must have passed. Expect to pay more than standard rates as the insurance underwriting model does view this as a risk and...

Life Insurance Approval with Kidney Disease

I think you'll agree that finding affordable life insurance with a health condition like kidney disease can be tough. But it doesn't have to be...Advancements in underwriting and risk assessment have come a long ways. Certain insurance companies are willing to offer life insurance (with fair rates) to many people they used to turn away.