Health & Underwriting
Life Insurance With Parkinson's Disease
Parkinson's disease surprises people: several final expense carriers will issue day-one coverage to applicants with Parkinson's, provided there is no dementia component and the applicant is not confined to a nursing facility. It is a good example of how much carrier guidelines differ.
Not sure which fits?
Answer a few questions and we'll point you to the right coverage.
What should you know about What separates a yes from a no?
Underwriters distinguish between motor-symptom Parkinson's and advanced disease with cognitive or functional decline.
Age at diagnosis and how long ago it was made
Whether there is any dementia, cognitive impairment, or memory-care involvement
Whether you live independently or in a nursing home or assisted living facility
Falls, aspiration, or hospitalizations related to the condition
Whether you need help with activities of daily living
Which coverage paths may be worth exploring?
Independent living with motor symptoms only: day-one simplified-issue whole life is available at several carriers. Advanced disease, cognitive involvement, or facility care: graded-benefit or guaranteed-issue whole life.
Why compare different carriers’ underwriting?
Because we are an independent agency and not a single-carrier company, we are not stuck with one set of underwriting rules. When one carrier declines or rates up, we take the same application to the carrier whose guidelines are friendliest to your situation.
Why work with an independent agent?
A captive agent usually represents one company. Our network includes 20+ top-rated carriers, with available options depending on your state and profile. We help compare quotes for coverage and underwriting fit at no cost for comparison, without guaranteeing approval or the lowest price. Policy premiums apply.
Licensed Agent vs. captive agent — the full breakdownFrequently asked questions
Which other health conditions can affect coverage?
Stroke or TIA
Neurological
Dementia & Alzheimer's
Neurological
Epilepsy and seizures
Neurological
Multiple sclerosis
Neurological
Neuropathy
Neurological
Type 2 diabetes
Metabolic
This page is educational and is not an offer of insurance, a quote, or a guarantee of coverage. Underwriting decisions, rate classes, and product availability are determined by each insurance carrier and vary by state, age, and health history. Carrier guidelines change without notice.