Pre-Existing Conditions

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

Written by Ty Stewart

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

Written by Ty Stewart

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 for Diabetics: Factors That Affect Rates

Written by Ty Stewart

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

Written by Ty Stewart

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….