Health Risks Archives - ChoiceLifeQuote.com

Health Risks

Life Insurance with Ulcerative Colitis | Key Considerations

Individuals with a history of ulcerative colitis frequently ask how this diagnosis can affect life insurance approval and premium rates. So, is it possible to get life insurance coverage with ulcerative colitis? These concerns are understandable given the potential severity of this condition and overall impact on health and longevity. The short answer is YES… It is…

Demystifying the Medical Information Bureau

Considering purchasing life insurance but feeling overwhelmed by the process? Understanding the role of the life insurance Medical Information Bureau can demystify some of the complexities involved. An understanding of how the information bureau operates can help you navigate the life insurance application process with greater clarity and confidence. This article provides critical insight into information…

marijuana leaf image- life insurance for marijuana users (2)

Life Insurance for Marijuana Users [420 Friendly Insurers]

The use of marijuana has become somewhat more mainstream in recent years, with evolving trends in medical marijuana prescriptions and an increasing number of states legalizing the drug’s recreational use. As a result, our team occasionally receives questions related to life insurance for marijuana users. Common questions include… Can someone who smokes marijuana get life insurance? Do…

Life Insurance for Smokers and Tobacco Users (Insider Tips)

The number of smokers has decreased in recent decades, but many Americans continue to use tobacco products. As a result, we frequently receive questions related to life insurance for smokers or the use of other forms of tobacco. Common consumer questions include… Is life insurance for smokers more expensive? If I quit smoking, can I qualify for non-smoker…

Qualifying for Life Insurance with Depression

It is fairly common for patients to seek advice and treatment for depression or anxiety-related conditions. It is so common that this information is often initially omitted when applying for life insurance with depression or a similar diagnosis. So, is depression a preexisting condition that should be disclosed when applying for life insurance? If so, is it possible…

sleeping - life insurance with sleep apnea

Qualifying for Life Insurance with Sleep Apnea

In working with clients, we routinely run across common medical conditions. Sleep apnea is one such diagnosis that often concerns life insurance applicants. So, can you get affordable life insurance with sleep apnea? This question is understandable given the potential health effects of sleep apnea and associated conditions. Luckily, the short answer is YES in many instances. This…

Life Insurance for Overweight Individuals (Insider Tips)

The majority of Americans struggle with weight at some point during their lifetime. As a result, we often receive questions from consumers about life insurance for overweight individuals or how being overweight will affect their life insurance application, underwriting, and premium rates. These concerns are entirely understandable given the number of people who face challenges related to…

Life Insurance and Suicide | Important Considerations

We occasionally receive questions from consumers related to life insurance and suicide. Does life insurance pay for suicidal death? Is it possible to get life insurance after a suicide attempt? These and other similar questions about life insurance and suicide are understandable given the complicated nature of policy contracts. If you or someone you know is having suicidal thoughts,…

Life Insurance for Cancer Patients and Survivors

A cancer diagnosis, or the diagnosis of a family member, often causes people to take a hard look at planning for their family’s financial future and other considerations. As part of this planning process, clients often ask questions about getting life insurance coverage for cancer patients and survivors. Questions related to life insurance with cancer…