Lupus and life insurance Getting the most favorable rate on life insurance for someone with Lupus may take some ‘shopping’ around. Life insurance companies can make diverse offers on the same case. Types of Lupus: Discoid lupus is a limited disease with superficial skin involvement only. It has no systemic features, although a small number […]
Impaired Life Insurance Underwriting
What is a stroke or cerebrovascular accident? A stroke occurs when brain cells die due to lack of oxygen caused by poor blood flow in the brain. The poor blood flow could be a result of blocked or damaged blood vessels. Strokes are one of the leading causes of death in America. The CDC reports […]
Can Someone with depression get life insurance? The short answer is probably. Most insurers will issue a policy unless the depression is very severe, there have been multiple hospitalizations, or there has been suicide attempts. Most life insurers have concluded that the extra mortality risk is due to suicide, cardiovascular disease , and substance abuse. […]
Skin cancer and life insurance Many people with skin cancer think that it might be difficult getting affordable life insurance. Some people may have difficulty if their cancer has spread. Fortunately most people that have had skin cancer can get standard rates on their life insurance. The extra rating, if any, will depend on the […]
Prostate Cancer and Life Insurance According to The American Cancer Society about 14% of men will develop prostate cancer in their lifetime, 60 % of diagnosed cases are for men older than 65. It is the second leading cause of cancer death’s in men, behind lung cancer. What are life insurers concerned with? Most prostate […]
Can someone with abnormal liver function get life insurance?
It is possible for someone with atrial fibrillation to get standard life insurance rates. It is best to ‘shop’ the market because insurance carriers views on this risk vary widely. Treatments are constantly being improved, and those companies they keep up with the associated mortality improvements may be able to offer better classes.
Colon cancer and life insurance Colon cancer is the second leading cause of cancer deaths in the US. According to cancer.org the lifetime risk of developing colorectal cancer is 4.7% in men, and 4.4% in women. Most colorectal cancer arises slowly from an adenomatous polyp over 7 to 15 years. Normally, cells will grow and […]
Crohn’s disease and life insurance According to The Crohn’s and Colitis Foundation Crohn’s disease affects about 700,000 people in the United States. Crohn’s disease is a chronic inflammatory bowel disease. Sometimes called regional enteritis. There may be inflammation of any part of the gastrointestinal tract from mouth to anus. Inflammation can spread into many layers […]
Colorectal cancer and life insurance Someone with colorectal (colon or rectum) cancer may find it difficult to get affordable life insurance. Many life insurers look unfavorably at people with some colorectal caners because the statistics show that a certain percentage of these people will die prematurely. According to The American Cancer Society Colorectal cancer is the […]