Life insurance and Pre Existing Medical Conditions



Many of us have some pre existing medical conditions. While usually considered an obstacle, there are certain life insurance solutions available! Read more about various pre-existing medical conditions and possible insurance solutions. We welcome your questions about insurance and health issues!

  1. Life Insurance and Cancer - Many forms of cancer are very treatable in the early stages and insurance companies have adjusted their pricing accordingly.
  2. Cancer and Critical Illness Insurance - Cancer can be devastating not just because of the possibly fatal diagnosis, but also due to the often exorbitant costs of the medication used to treat it.
  3. Breast Cancer and Critical Illness Insurance - Of the 400 women polled, 80% say they have experienced some kind of financial hardship from the disease. You can mitigate this pressure.
  4. Diabetes - Getting insurance as a diabetic is difficult, but not impossible. Learn the seven variables insurance companies will consider when determining if you qualify.
  5. High Blood Pressure - High blood pressure will impact your premiums, but the news doesn't necessarily have to be bad.
  6. Parkinson’s Disease - PD is an insurable illness especially in the early stages where there are minimal localized tremors and no treatments are required.
  7. Stroke - Traditional life insurance policies may or may not be available depending on the severity of the stroke.
  8. How to Still Qualify for Life Insurance After a Stroke - List of criteria an underwriter will use to asses your application.
  9. HIV or AIDS - Most traditional life insurance companies will not offer life insurance to people with HIV or AIDS. Still, there is hope.
  10. Smoker versus Non-Smoker - Smoking seriously affect insurance rates. See how. 
  11. Alcoholism - An alcohol addicted past is not necessarily a barrier to insurance - at least, not according to the underwriting guidelines of some insurers.
  12. Obesity - Obesity and the complications that go with it can have a direct impact on classification and ability to get life insurance.
  13. Life Insurance for Bodybuilders - Bodybuilders' BMI (Body Mass Index) can confuse underwriters. Be careful with steroids too.
  14. Bariatric Surgery - Even with such an invasive surgical procedure, you can still get life insurance.
  15. Cosmetic Surgery - Applicants going for cosmetic surgery should still qualify for standard rates. However, these surgeries are treated as most other surgeries.
  16. Cocaine Use or Other Recreational Drugs - Former drug users and addicts  may find themselves looking for life insurance one day.
  17. Soft and Hard Drug Users - What is the difference between soft and hard drug users and the drug doses from the life insurance point of view?
  18. Cigar Smokers - Smoking rises premiums. But there is some good news. Most, but not all, life insurers still let you have the occasional large cigar.
  19. Cigar Smokers Insurance Questions & Answers - Series of Questions and Asnwers about smoking and life insurance.

Our Medical Tips and Guides:

  1. Get in Shape, Get Money Back - Many insurance companies are finally taking healthy lifestyle changes of their clients into consideration, allowing you to convert credit back and save some big bucks.
  2. Health and how to get a better deal on your Life Insurance? - Insurance is all about managing risk and taking precautions to ensure you live longer for the benefit of all involved.
  3. Medical Tests and Life Insurance - Numerous companies providing insurance products without a medical as a clever attempt at attracting prospective customers
  4. What Should I Do If My Application Is Declined? - Severals steps to counter life insurance application decline.
  5. Child Critical Illness - Critical illness is a difficult topic to speak about, when we think about kids. However, once needed, this policy can be very helpful.
  6. 7 Tips To Boost Your Health Condition Instantly - The condition of your health can be improved immensely without spending too much additional time or money.

Other Information About Insurability:

  1. Driving and Life Insurance - It may surprise you to learn that the mere fact you have a driver's liscense can impact your qualification for life insurance.
  2. Scuba Diving - Life insurance policies for scuba divers can be issued standard, rated or declined depending on diving and other health considerations.

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Real & Dorothy Duteau
Real & Dorothy Duteau

LSM Insurance team was highly recommended for our insurance needs and our first meeting confirmed what we were looking for: integrity, honesty, competency and affordable products.

Also throughout the process, the LSM Insurance team kept us informed on the status of the application and was involved in clearing all obstacles. This is what we really appreciated, as his follow-up was 110%.

With this kind of service and dedication, there is no doubt that we will be with LSM Insurance for the rest of our lives.

Mario Mavrides
Mario Mavrides

I have been a client of LSM Insurance for three years and have been extremely happy with his service.

Their approach is straightforward and is time friendly. It's a great feeling to know I have a first rate professional looking after my insurance and financial needs.

Arthur
Arthur Balaniuk

LSM Insurance was referred to me by a close friend.

I had spoken with several insurance people prior to meeting with LSM team and I was very impressed with their straightforward approach.

I am very pleased with the plan he set up. It's easy to see why they have become so successful and I would not hesitate to refer others looking for insurance and investment solutions to LSM Insurance.

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Maher and Salwa Rizkalla

We have been clients of LSM Insurance for over nine years, and we have always found LSM team very responsive to all our insurance and financial needs.

5 Comments

  1. Sheila 03/24/2011 at 12:05 pm
  2. Sheila 03/24/2011 at 12:06 pm

    what is issue date?

  3. LSM Insurance 03/24/2011 at 4:10 pm

    Hi Sheila,

    Thanks for questions if it is a rated policy (one with an extra premium for health issues) than it is likely a traditional life insurance policy and the death benenfit would only have a 24 month exclusion on Suicide or if you mistated a material fact on the application. The issue date is the date the policy takes effect.

  4. Janeth Richard 07/19/2013 at 3:23 pm

    I would like to obtain an estimate for a 28 years old man with a preexisting condition named: Glycogen Storage Disease Type 1a. He is in stable condition. Please let me know the steps to follow.
    Thanks
    Janeth

  5. LSM Insurance 07/19/2013 at 6:07 pm

    Thanks Janeth. The premiums depend on the the amount of coverage and the type of plan. We will send you a separate email now. Regards

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