If you have an illness or disease you may think that it will be impossible to buy life insurance. Actually, that is not true. Many insurance companies cater specifically to people like you. Here’s how to get the coverage you need at a price you can afford even if you face health challenges.
Having a bankruptcy on your credit report, especially recent one, can affect much of what you will do in life. It can certainly have an impact when you apply for a loan, whether it’s a mortgage, a car loan, or a credit card. But it can also have an effect on an application for a …
Unfortunately, when you are applying for life insurance, it isn’t just your health that comes under the microscope. Your family history is also a factor. That means that even if your personal health history is flawless, you can still be charged a higher premium if a member of your direct family lineage has a history …
If you have an enlarged heart, getting life insurance can present some challenges. The severity of your condition is critical, as is the specific life insurance companies that make application to. If you do have an enlarged heart, it will be very important that you have a competent agent working on your behalf. This is …
Cushing’s Syndrome is a less commonly understood health condition, largely because it is highly curable and non-fatal. That’s actually good news, but if you have Cushing’s Syndrome it could cause complications if you want to apply for a life insurance policy. Your application will likely be approved, but it’s a question of the premium level. …
This is a difficult subject to discuss, but life insurance is designed specifically to deal with the most difficult event in life, so it’s one we have to cover. Suicide, unfortunately is very much a gray zone when it comes to life insurance. With most other causes of death, outcomes are known and more easily …
Vaping is a fast growing habit, at least partially intended to reduce reliance on cigarette smoking. Though you might think that that fact alone what endear vapers to the insurance industry, it’s actually quite the opposite. Even though vaping has generally been shown to be considerably less of a health hazard than cigarette smoking, life …
A previous history of cancer can have a major impact if you are trying to get life insurance. Cervical cancer is one of those types of cancer. Yet even if you have had it in the past, it is still possible to get a life insurance policy, even one at an affordable premium. It’s mostly …
Atrial fibrillation, commonly referred to as A Fib is the most common type of irregular heartbeat. It affects about 2.2 million people in the US, and becomes more common with age. Since it has no immediate effects, it’s possible that you won’t even know that you have it. But what if you do, and you …
Most people are aware that certain diseases or health conditions can negatively impact an application for life insurance. While that’s well-known to be the case with common diseases like cancer and heart disease, there are lesser known medical conditions that also affect the process. One of those is Addison’s disease, which is so rare that …
Have you avoided applying for life insurance because you have high cholesterol? It is a health condition that can affect your life insurance application. But the degree of that effect will be determined by how you handle the application process. You can get life insurance with high cholesterol, and even get a policy with affordable …
As is the case with any type of health-related condition, hepatitis can complicate the process of applying for life insurance. However, it’s important to understand that a hepatitis diagnosis does not mean that you cannot get life insurance. There are various types of hepatitis, that occur to different degrees, and when matched with the right …
Eating disorders are one of the most common health-related conditions in America. They are particularly pronounced among young women, who are under extreme social pressure to attain and maintain a certain body type. This can lead to severe psychological stress, that causes unusual eating activity that can result in serious health conditions. If you need …
Of all the health conditions that can affect your application for life insurance, diverticulitis is one of the most mild. Only in the most severe cases will it have an impact on your application or your premium rate, and even then not to the degree that will be the case with most other chronic health …
Having any chronic health condition such as lupus can cause a person to believe that getting life insurance coverage is impossible. But that’s hardly the case. You just have to know how to manage the condition, and to make sure you apply to life insurance companies that are most likely to approve your application. If …
Many people assume that any incidence of heart disease in any form means an automatic rejection on a life insurance policy application. Nothing could be farther from the truth, particularly with a condition such as congestive heart disease. If you follow the proper steps in managing your condition, you’re very likely to be approved for …
Multiple sclerosis is a serious health condition, and from a life insurance perspective, it can cause complications. Still, it is possible to get life insurance coverage even if you have the disease. It’s mostly a matter of understanding your condition, how life insurance companies view it, and what you need to do to get the …
It is possible to get life insurance with osteoporosis. You have to do your best to manage the condition properly, as well as work with the right life insurance company. What Is Osteoporosis? Osteoporosis is actually a fairly common disease. It is a progressive disease that reduces bone mass and density. This eventually leads to …
Is it possible to get affordable life insurance when you have chronic bronchitis? Generally speaking, the answer is yes. However there are variables surrounding chronic bronchitis that can affect the premium rates that you will pay for a life insurance policy. If the condition is particularly severe, it’s even possible that you may only qualify …
Arthritis is a common health condition that often will not affect your life insurance application, except under extreme circumstances. Still, it’s good to know little bit about how arthritis relates to life insurance. What Is Arthritis? Arthritis refers to joint inflammation, and when it becomes chronic, it interferes with normal functioning. Inflammation is actually a …
It’s easy to assume that anxiety disorder would not be an issue when it comes to getting life insurance. After all, it’s generally not viewed as a physical disorder, so it’s easy to see why life insurance companies would not consider it to be a significant criteria. But actually, it can be – particularly if the disorder …
Obesity is one of the most difficult challenges to overcome when it comes to life insurance. This is because the life insurance industry views it as one of the most serious health conditions. If you are currently classified as obese and want to purchase a life insurance policy, there will be some obstacles. It’s important …
Crohn’s disease affects about one out of every 300 people in the United States. That means that there are more than 1 million people who have the condition. Can you get life insurance with Crohn’s disease? In most cases, the answer is yes, but there are a few things you should know if you plan …
Just in case you thought that the state of your health is all that life insurance companies are concerned with, let’s spend some time talking about your driving record. They’re interested in that as well – in fact, they’re very interested in it. Your driving record is up there with your occupation and your hobbies …
As if having a criminal record doesn’t have enough problems associated with it, such a history can also cause complications when it comes to applying for life insurance. Depending on the nature of the conviction, and the time that has elapsed since, getting life insurance with a criminal record can be a difficult undertaking. Why …