Diabetes What is Diabetes? Diabetes is a condition in which the body fails to produce enough insulin, or fails to process insulin normally. Can Diabetics get life insurance? Of course, however, there are some guidelines and restrictions as a result of secondary issues from irregular pancreas function. Insulin is normally produced in the pancreas. It […]
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 […]
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.
Chronic Obstructive Pulmonary Disease (COPD) COPD is a persistent obstruction of the airways. Chronic Bronchitis and Emphysema are the two main conditions comprising the COPD group of diseases. Cigarette smoking is by far the number one cause. The Mayo Clinic says that “COPD is treatable and that with proper management, most people with COPD can […]
Alcohol, drug abuse, and life insurance For the majority of drinkers of alcoholic beverages, there is little risk to health or longevity. However, excess alcohol intake has a substantial impact on mortality. Excess alcohol consumption has been associated with heart problems such as alcoholic cardiomyopathy (which is a weakening of the heart muscle), arrhythmia, atrial fibrillation, ventricular tachycardia. Other […]
If you think you are immortal? I beg to differ and so does the Social Security Administration. See the US Social Security Mortality Table 2013 Based on their table I’ve calculated some odds. Our clocks are always ticking. Male Age Odds you’ll be dead in 20 years Odds you be dead in 30 years 30 4.72% […]