Health Risks

The number of smokers has decreased in recent decades, but many Americans continue to use tobacco products in one form or another.  ​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.. More

It is fairly common for patients to seek advice and treatment for depression or anxiety related conditions. In fact, 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?.. More

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 and complications associated with sleep apnea and other similar disorders.Luckily, the short answer is.. More

Most 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 and premium rates. These concerns are completely understandable given the number of people who face challenges related to obesity and.. More

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.This following article, Life Insurance and Suicide: 5.. More

A cancer diagnosis, or the diagnosis of a family member, often causes people to take a hard look at planning for their family’s future. As part of this planning process, clients often ask questions about life insurance for cancer patients and survivors. Questions related to life insurance with cancer are understandable given the impact that a.. More

Many Americans, present company included, struggle with high blood pressure, or hypertension. As a common medical condition, we often do not consider the implications of getting life insurance with high blood pressure until applying for coverage. Questions about qualifying for life insurance with high blood pressure, or while taking blood pressure medication, are extremely common.The following.. More

Individuals with a history of diabetes often ask how this diagnosis can affect life insurance for diabetics. So, can diabetics get life insurance?​​​​​ These questions and associated concerns are completely understandable given the potential severity of this all too common disease.  The short answer is YES, it is often possible to get affordable life insurance for diabetics.The.. More

The process of applying for life insurance can be confusing enough without the complication of trying to get approved for life insurance with medical conditions or various health issues. Since insurance companies consider your health and medical history in evaluating an application for coverage certain preexisting conditions may cause your rates to increase or coverage.. More