Life Insurance With a Health Condition

Heart attack history

After a heart attack, most carriers use a two-year clock. Learn what reopens day-one coverage and compare carriers with a free quote.

Congestive heart failure

CHF closes most day-one policies but not the market. See the graded and guaranteed-issue paths that still work, and compare free.

AFib & pacemakers

AFib is one of the friendlier cardiac conditions in underwriting. Learn how pacemakers and defibrillators differ, and compare free.

Blood pressure & cholesterol

Controlled high blood pressure or cholesterol usually has no effect on your rate class. Here is why — plus a free carrier comparison.

Aneurysm

Aneurysm underwriting may depend on its location, whether it has ruptured and the status of monitoring or repair. Explore underwriting questions, coverage paths and a no-pressure licensed agent review.

Pacemaker or defibrillator

A pacemaker and an implanted defibrillator are not interchangeable underwriting histories. Explore underwriting questions, coverage paths and a no-pressure licensed agent review.

COPD & emphysema

COPD does not automatically disqualify you. The oxygen question decides most cases. See your real options and compare carriers free.

Sleep apnea

Treated sleep apnea often has little rate impact. Untreated is a different story. See how carriers view CPAP compliance.

Home oxygen use

Home oxygen use often signals a medical history that can limit health-questioned insurance. Explore underwriting questions, coverage paths and a no-pressure licensed agent review.

Type 2 diabetes

Type 2 diabetes rarely blocks life insurance. See which underwriting paths stay open, what carriers ask, and get a free licensed agent comparison.

Type 1 diabetes

Type 1 and insulin-dependent diabetes still has real life insurance options. Learn which underwriting paths work and compare carriers free.

Weight & high BMI

Build charts vary enormously between carriers. The same height and weight can mean two different rate classes. Compare free.

Stroke or TIA

After a stroke or mini-stroke, carriers run 12 and 24 month clocks. See what reopens day-one coverage and compare carriers free.

Dementia & Alzheimer's

Dementia closes underwritten coverage, but guaranteed issue can still be signed while capacity remains. An honest explanation.

Parkinson's disease

Parkinson's is more insurable than most people expect. Several carriers offer day-one coverage. See your options and compare free.

Epilepsy and seizures

A single provoked seizure and recurring epilepsy can lead to different underwriting questions. Explore underwriting questions, coverage paths and a no-pressure licensed agent review.

Multiple sclerosis

Multiple sclerosis is not one uniform underwriting situation. Explore underwriting questions, coverage paths and a no-pressure licensed agent review.

Neuropathy

Neuropathy can have different causes and effects, from mild sensory symptoms to significant mobility limitations. Explore underwriting questions, coverage paths and a no-pressure licensed agent review.

Depression & anxiety

Treated depression and anxiety are routinely insured, often at standard rates. Here is what carriers actually review.

Bipolar disorder

Life insurance with bipolar disorder depends on the course of the illness and current care, not simply the diagnosis label. Explore underwriting questions, coverage paths and a no-pressure licensed agent review.

Schizophrenia

Schizophrenia may narrow health-questioned life insurance options, particularly with recent symptoms or significant care needs. Explore underwriting questions, coverage paths and a no-pressure licensed agent review.

Lupus

Lupus can affect skin alone or involve multiple organs, so the medical details are important in a life insurance review. Explore underwriting questions, coverage paths and a no-pressure licensed agent review.

Rheumatoid arthritis

With rheumatoid arthritis, an application may explore disease activity, treatments and effects beyond joint pain. Explore underwriting questions, coverage paths and a no-pressure licensed agent review.

Crohn's disease and ulcerative colitis

Inflammatory bowel disease may be reviewed through its flare pattern, treatment and complications. Explore underwriting questions, coverage paths and a no-pressure licensed agent review.

Kidney disease & dialysis

Early-stage kidney disease often still has day-one options. Dialysis routes to guaranteed issue. See your paths and compare free.

Organ transplant

Transplant recipients and waiting-list patients still have a route to coverage. Learn how guaranteed issue works and compare free.

HIV

HIV is increasingly insurable. Learn which paths are open, how viral load and CD4 count are viewed, and compare carriers free.

Hepatitis C

A hepatitis C history calls for a clear distinction between active infection, completed treatment and residual liver disease. Explore underwriting questions, coverage paths and a no-pressure licensed agent review.

Cirrhosis and liver disease

Cirrhosis and other serious liver disease can substantially narrow health-questioned coverage. Explore underwriting questions, coverage paths and a no-pressure licensed agent review.

Dialysis

Ongoing dialysis can make health-questioned term and whole life difficult to obtain. Explore underwriting questions, coverage paths and a no-pressure licensed agent review.

Substance use recovery

Recovery from alcohol or drug use is a history to explain, not an automatic answer about insurance. Explore underwriting questions, coverage paths and a no-pressure licensed agent review.

DUI history

A DUI can prompt driving-record and alcohol-use questions even when you have no medical diagnosis. Explore underwriting questions, coverage paths and a no-pressure licensed agent review.

Criminal record or felony history

A criminal record can raise application questions about convictions, incarceration and current supervision. Explore underwriting questions, coverage paths and a no-pressure licensed agent review.

Amputation

An amputation after an injury is a different history from one caused by circulation problems or diabetes. Explore underwriting questions, coverage paths and a no-pressure licensed agent review.

Wheelchair use and limited mobility

Using a wheelchair does not tell an insurer why you need it or whether you require personal care. Explore underwriting questions, coverage paths and a no-pressure licensed agent review.

Nursing home and home health care

Facility residence or home health support can raise questions about care level, consent and policy eligibility. Explore underwriting questions, coverage paths and a no-pressure licensed agent review.

Cancer history

Life insurance after cancer follows a remission clock. Learn how the two to five year ladder works and compare carriers free.

Smokers & tobacco

What counts as tobacco, how lookbacks work, and the products where smoking costs you nothing. Compare carriers with a free quote.

Recently quit smoking

Quit smoking recently? Learn the 12, 24 and 36 month clocks and the carriers that reward quitting sooner. Free comparison.

Non-smoker rates

What 'non-tobacco' actually requires, how carriers verify it, and how to make sure you get the best class you qualify for.