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 […]
Impaired Life Insurance Underwriting
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 […]
Cervical cancer and life insurance Cancer.org says that cervical cancer was once one of the the most common causes of cancer cancer death for women. But over the last forty years the death rate has decreased by over 50%. This may primarily be due to to the widespread use of Pap Tests as a cancer […]
The rating for life insurance for someone with GERD is dependent on a number of factors. Barrett’s Esophagus cases should be ‘shopped’ to the market since life insurance carriers view the risk differently. Learn how to rate a GERD or Barrett’s Esophagus case.
Bladder cancer patients may find It possible to obtain a standard rate for life insurance. However, there are many variables regarding the stage, grade, and recurrences that will effect to ultimate offer. Fortunately there are easy ways to ‘shop’ the market for cancer cases.
What is sleep apnea? Sleep apnea is a disorder in which breathing is repeatedly interrupted during sleep. Complete cessation of breathing is known as apnea while hypopnea is partial cessation of breathing. Why do life insurers care if you have sleep apnea? During apnea episodes the oxygen level in the blood falls. Persistent low oxygen levels […]
Skin cancer and life insurance Skin cancer is abnormal growth of skin cells. Most people that have had skin cancer can get standard rates on their life insurance. The extra rating, if any, will depend on the type and severity of the cancer. Types of skin cancer Basal Cell Carcinoma is the abnormal growth arising […]
Life Insurance and Multiple Sclerosis It is very possible to get life insurance for someone with Multiple Sclerosis. The rating will be dependent on the severity of the disease. In MS the immune system attacks the myelin sheath, which is the protective coating that surrounds nerve fibers. Why this happens is unknown at this time. […]
Can someone with mitral valve prolapse get life insurance?
So one of your clients tested positive for marijuana on their life insurance exam. Now what??? With recreational marijuana use becoming more socially acceptable and even legalized in a few states, it is only natural to have some clients applying for life insurance test positive for it. A recent Gallup Poll shows 7% of US […]