Pre-Existing Conditions

Life Insurance with Asthma: 5 Things You Must Know

You CAN get life insurance at a good price having asthma. For some of our clients, we have secured as low as Preferred Plus rates (that is the best)....

Life Insurance with Depression: You Deserve to Be Treated Fairly

Depression is a common mental health disorder that affects 6.7% of Americans. You are certainly not alone in dealing with it. You are also NOT alone in the life insurance process. You can expect...

Life Insurance and the Body Mass Index: How Will It Affect My Rates?

When applying for life insurance, you want to pay attention to BMI extremes the most, Underweight and Obese. Life insurance underwriting is the business of assessing risk based on the collective data of millions of people. Those that fall in the extremes are more likely to have additional health concerns. Those are just the facts and what the data says....

Life Insurance with Colon Cancer: 8 Things you MUST Know

Not all that long ago, a diagnosis of colon cancer virtually guaranteed an automatic decline when applying for life insurance. Times have changed, so that’s no longer the case....

Life Insurance with Arthritis: 3 Things to Remember

First, life insurance companies will look at what type of arthritis you are diagnosed with. The two most common types of arthritis are osteoarthritis and rheumatoid arthritis....

Life Insurance for Diabetics: Factors That Affect Rates

Here’s what you need to remember: approval for a policy and the rate you qualify for depends on how controlled your diabetes is. Most life insurance companies will want to see your diabetes stable and well-controlled for at least 6 to 12 months....

Life Insurance with a Family History of Cancer

It is well-known that life insurance companies look for active or previous cancer in every application they receive. Personal history of cancer is something life insurers take very seriously and can greatly affect an individual’s policy. But what about life insurance with a family history of....