Articles by Topic

Health and Underwriting

What life insurance companies actually look at, and how people with real health histories still get covered.

A health condition does not automatically mean you cannot get life insurance. Different carriers treat the same condition very differently, and many carriers specialize in approving people with common conditions like diabetes, high blood pressure, or a heart history. The articles below cover specific conditions and situations, what underwriting actually looks at, and how to give yourself the best shot at an approval.

• Life Insurance With Endometriosis: Your Real Odds

  Will endometriosis make my life insurance expensive, or get me turned down altogether? For most women the honest answer is reassuring. Endometriosis...

• Life Insurance With PCOS: What Underwriters Look At

  A lot of people with polycystic ovary syndrome assume the diagnosis alone will raise their life insurance rates or get them declined....

• Life Insurance With Psoriasis: Get Fair Rates

  You have psoriasis, or maybe psoriatic arthritis on top of it, and you are wondering whether that one word on your records...

• Life Insurance After COVID: Timing Beats the Diagnosis

  Can I still get life insurance after having COVID, or if I am dealing with long COVID? Yes, in most cases. A...

• Life Insurance With Elevated Liver Enzymes: Retest Wins

  A single high liver enzyme reading on your life insurance exam almost never decides your application by itself. It triggers a pause,...

• Life Insurance While Taking Statins: What Counts

  Does taking a statin hurt your chances at a good life insurance rate? We hear this question often, and it usually comes...

• Life Insurance While Taking Wegovy, Mounjaro, Zepbound

  You started Wegovy, Mounjaro, or Zepbound, and now you are wondering whether that prescription will complicate a life insurance application. It is...

• Life Insurance After Skin Cancer and Melanoma

  You had a spot removed, the biopsy came back, and now the word “cancer” is sitting in your medical history and, you...

• The Life Insurance Phone Interview: What to Expect

  You applied for life insurance, and now there is a phone interview scheduled, and no one really explained what it is. That...

• Life Insurance While Taking Beta Blockers: What It Costs

  Most people assume the beta blocker itself is what raises their rates, that filling a prescription for metoprolol or atenolol is the...

• Life Insurance With Osteoporosis: Fair Rates Guide

  The common worry is that an osteoporosis diagnosis makes life insurance expensive or off the table. For most applicants it does neither....

• Life Insurance After a Benign Biopsy: What Counts

  A benign biopsy feels like it should count in your favor, and in most cases it does. Yet a lot of people...

• Life Insurance With a Heart Murmur: What It Means

  If a doctor has mentioned a heart murmur and you are wondering whether it will hurt your chances at life insurance, the...

• Does Prediabetes Affect Your Life Insurance?

  Does prediabetes affect your life insurance? If you just got a slightly high A1C result and typed that question into a search...

• Life Insurance With Rheumatoid Arthritis: Your Real Odds

  Most people with rheumatoid arthritis can buy a fully underwritten policy, and a joint-only case that has been stable for a year...

• How Life Insurance Underwriting Works, Explained Simply

  What is underwriting, and why does the price of a policy depend on it? Underwriting is the process a carrier uses to...

• Life Insurance With a Mental Health History

  You have a diagnosis in your record, maybe depression, anxiety, bipolar disorder, or PTSD, and you are wondering whether that quietly closes...

• Life Insurance After Bariatric Surgery: What to Know

  You had weight loss surgery, or you are planning it, and now you are wondering whether that decision quietly closed the door...

• Life Insurance After Breast Cancer: Timing and Stage

  How long after breast cancer can you get life insurance, and will a carrier even consider you? That is the question most...

• The Two-Year Contestability Period Explained

  The two-year contestability period does not mean your life insurance will refuse to pay for the first two years, and it does...

• Life Insurance With High Cholesterol: Your Ratio Wins

  If you have high cholesterol and you are wondering whether it will keep you from buying life insurance, the short answer is...

• Life Insurance Medical Exam: The 25-Minute Walkthrough

  You applied for a policy, and now the carrier wants a medical exam. If you are picturing a full physical in a...

• Life Insurance With Type 1 Diabetes: How It Differs

  If you searched for life insurance with type 1 diabetes and landed on an article about type 2, you already know the...

• Does Applying for Life Insurance Affect Your Credit?

  A lot of people put off getting a life insurance quote because they assume it will land on their credit report as...

• Life Insurance While Taking Antidepressants

  You take an antidepressant, and it has helped. Maybe it has made your daily life workable again. But now you are filling...

• Does Genetic Testing Affect Life Insurance?

  The federal law that most people count on to protect their genetic information does not cover life insurance. That single gap is...

• Life Insurance for Dangerous Hobbies: How It Works

  Does a weekend spent diving, skydiving, or climbing put life insurance out of reach? Almost never, and the reason surprises people.

• No Medical Exam Life Insurance: How It Actually Works

  The most common misunderstanding about no medical exam life insurance is that skipping the exam means skipping the review. It does not....

• What Is a Table Rating in Life Insurance? Plus Flat Extras

  A table rating is not a denial. Neither is a flat extra. Both are simply the two ways a carrier charges more...

• Life Insurance for People on Disability: Your Options

  If you collect SSDI, SSI, VA disability, or a private disability benefit and you’re wondering whether you can buy life insurance, the...

• Life Insurance With Hepatitis C: Cured Rates Guide

  You have hepatitis C, or you had it and cleared it, and you want to know whether that closes the door on...

• Life Insurance With Epilepsy: How to Get Fair Rates

  If you have epilepsy or a seizure disorder and you are wondering whether you can get covered, the answer is yes, and...

• Do Blood Thinners Affect Your Life Insurance?

  If you take a blood thinner like Eliquis, Xarelto, or warfarin, you might assume that little pill is going to complicate your...

• Life Insurance With Fatty Liver Disease: What It Means

  Maybe it came up at a routine physical. Your bloodwork showed elevated liver enzymes, or an ultrasound mentioned “fatty infiltration,” and your...

• Can You Get Life Insurance If You're HIV Positive?

  If you’re living with HIV and you’ve assumed life insurance is off the table, you’re working from information that’s a decade or...

• Life Insurance With a History of Stroke: Your Real Odds

  You had a stroke, or maybe a TIA a couple of years back, and now you want to know if any company...

• Life Insurance With a Pacemaker: Getting Approved

  You have a pacemaker, and you want to know if it kills your chances at life insurance. It does not. People with...

• Does Taking Ozempic Affect Your Life Insurance?

  You started a GLP-1 medication like Ozempic, Wegovy, or Mounjaro, and things are going well. Your weight is down, your bloodwork looks...

• Denied for Life Insurance? Why It Happens, What's Next

  You applied for life insurance, you waited, and the answer came back as a no. It’s a deflating feeling, and it’s easy...

• Getting Life Insurance While Pregnant: What to Expect

  You’re expecting a baby, your mind is running through everything you need to get ready, and somewhere on that list is a...

• Life Insurance with Asthma: What to Expect

  If you have asthma and you’re thinking about life insurance, you may be bracing yourself for bad news. Maybe you’ve heard that...

• Life Insurance with Multiple Sclerosis: Your Options

  If you’ve been diagnosed with multiple sclerosis, one of the questions that may be sitting in the back of your mind is...

• Life Insurance After a DUI on Your Record

  If you have a DUI or DWI on your record, you may be wondering whether life insurance companies will even consider your...

• Life Insurance If You Use Marijuana

  You use marijuana, maybe recreationally on weekends, maybe medicinally for chronic pain or anxiety, and now you’re wondering what that means for...

• Life Insurance After a Heart Attack

  If you’ve survived a heart attack, you’re probably wondering whether life insurance is even an option anymore. Maybe you’ve already been turned...

• Life Insurance with COPD: Your Options Explained

  If you’ve been diagnosed with chronic obstructive pulmonary disease, you’ve probably wondered whether life insurance is even possible. Maybe you’ve already been...

• Life Insurance When You're Overweight

  If you’ve been putting off life insurance because you’re worried about your weight, you’re not alone. A lot of people assume that...

• Life Insurance with AFib: What to Know

  If you’ve been diagnosed with atrial fibrillation, you might assume life insurance is out of reach. That’s a common fear, and an...

• Life Insurance with Sleep Apnea: What to Know

  You’ve been diagnosed with sleep apnea, and now you’re wondering what that means for getting life insurance. Maybe you’re already using a...

• Life Insurance with Depression or Anxiety: What Insurers Actually Look At

  If you’ve ever been treated for depression or anxiety, you may have wondered whether that shows up when you apply for life...

• Life Insurance After Cancer: What Survivors Need to Know About Getting Approved

  You beat cancer. That’s the hardest part. But now, as you’re rebuilding your life and thinking about what comes next for your...

• Life Insurance with Chronic Kidney Disease: What to Expect and What Your Options Are

  If you’ve been diagnosed with chronic kidney disease, you might be wondering whether life insurance is still possible. Maybe you’ve heard that...

• Life Insurance With High Blood Pressure: What You Need to Know

  If you have been diagnosed with high blood pressure and are wondering whether you can still get life insurance, the short answer...

• Can You Get Life Insurance With a Heart Condition?

  A heart condition diagnosis can feel like it closes a lot of doors. When it comes to life insurance, many people assume...

• Life Insurance With Diabetes and Other Conditions: A Complete Guide

  If you have diabetes along with one or more other health conditions, you might feel like life insurance is out of reach....

• Life Insurance With COPD: Which Carriers Approve Coverage

  If you have been diagnosed with COPD and assumed life insurance was off the table, that is not the case. Many people...

• Life Insurance for Smokers: Which Carriers Offer the Best Rates

  If you smoke and you have been told that life insurance is either too expensive or not worth pursuing, that is not...

• Life Insurance With Type 2 Diabetes: What Carriers Approve Without a Huge Rate Hike

  Having type 2 diabetes does not mean you cannot get life insurance. Most people with type 2 diabetes qualify for coverage, and...

If your health history has made coverage feel out of reach, final expense insurance approves many people with no medical exam, and our team can check your options across carriers with a free quote. No pressure, no obligation.

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