Health Conditions Archives

Health Conditions

Getting life insurance with a pre-existing health condition can be challenging, but the right policy is still within reach. Whether you have diabetes, heart disease, cancer history, or other medical conditions, insurers offer coverage tailored to your needs.

Learn how different health conditions impact life insurance rates, the best policy options, and how to improve your chances of approval.

➡ Explore expert insights on life insurance approvals, underwriting guidelines, and the best policies for various health conditions.

New to Health Conditions? Read this first.

life insurance for pre existing conditions

How to Get Approved for Life Insurance with Pre-existing Medical Conditions

How an Expert Can Help Get You Approved Getting life insurance for pre-existing medical conditions is only slightly more effort than getting approved for life insurance without pre-existing conditions. Having a past or current health condition in your medical record often doesn’t even result in a decline as a result of advances in medical technology.…

Low Cost Life Insurance with Atrial Fibrillation

Getting Inexpensive Life Insurance with Atrial Fibrillation (Here’s How)

Easily getting affordable life insurance with atrial fibrillation can be extremely easy. Although in cases where the AFib is indicative of an underlying medical condition, that’s a different story. It’s one of those conditions which depend more on what your medical records say than the diagnosis itself. The most important thing to remember when shopping…

Buying Low Cost Life Insurance with Fibromyalgia (Complete Guide)

Fibromyalgia and life insurance are not mutually exclusive, regardless of what some people may lead you to believe. Whether your fibromyalgia is severe or mild, there are options for everyone. Surprisingly affordable choices at that. Quick Summary: Fibromyalgia might affect your life insurance rates. It all depends on the severity, what medication you’re taking, and…

The Ultimate Guide to Finding Life Insurance with HIV

For decades, the phrase “life insurance with HIV” carried a heavy stigma. Applicants were routinely denied coverage, told outright that HIV or AIDS meant they were uninsurable. But the world has changed. Modern treatments allow people living with HIV to live long, healthy lives, and insurance companies have slowly begun to recognize this reality. If…

can you get life insurance with celiac disease

Affordable Life Insurance with Celiac Disease? (Here’s How)

Many life insurance carriers may automatically access you for a “Standard” rating when you have Celiac disease. This often occurs even if you respond well to treatment and are in generally good health. But, you may in reality qualify for a better rating with another life insurer. There are over 850 life insurers in America.…

Find Affordable Life Insurance with Hyperthyroidism

Most people will be able to find affordable life insurance with hyperthyroidism. We will explain the medical conditions that can cause hyperthyroidism. Then, we will cover in detail how life insurers rate people who have this disease. Always Buy Life Insurance Using an Independent Life Insurance Agent I would start by saying that if you…

Life Insurance with Opiate Addiction (What You Should Know)

Is finding low-cost life insurance with an opiate addiction possible? Most definitely. There are many types of opiates beyond heroin and opium that Americans use legally every day. The problem is that all forms of opiates are physically and mentally addicting which can cause problems with prescription medication. According to a survey of 51,200 Americans…

best life insurance with addison's disease

Best Approach for Buying Life Insurance with Addison’s Disease

Buying life insurance with Addison’s disease can be a challenge for 2 reasons. The first reason is Addison’s is a rare disease. Rare conditions are more difficult to insure because underwriters don’t have a firm understanding of what they do to someone’s life expectancy. There is less historical data available on which to base rates…

How To Find Low-Cost Life Insurance with an Amputation

Good news! The majority of the time life insurance with an amputation doesn’t involve a bunch of extra premiums. Only a few situations will result in a rating or decline, but those are few and far between. There are roughly (depending on the company) 16 rating classifications. Each will determine the rates you pay. Both…

Life Insurance and Alcohol Abuse or Alcoholism-What Happens?

Women get the short end of the stick when it comes to life insurance and alcohol consumption. Life insurance companies are notoriously conservative when it comes to medical evaluations. To that effect, the amount a woman can drink in a week before being penalized for excessive alcohol consumption is half that of what a man…

How to Get Affordable Life Insurance with Crohn’s Disease

There are some companies that won’t touch someone looking for life insurance with Crohn’s Disease. Those companies don’t deserve your money anyway. The good news is there are plenty of companies that will offer life insurance to people suffering from Crohn’s. Sometimes you can even get it at a preferred rating. (Although that’s extremely rare,…