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 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...

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