Life Insurance Medical Tips

  1. Cigar smokers and life insurance: the inside scoop
    Cigar smokers beware! Smoking could cost you thousands of dollars in additional life insurance premiums.

  2. Parkinson's Disease and Life Insurance
    We have had several cases where an applicant with Parkinson's Disease has received standard rates (i.e the same rate a person without PD would receive).

  3. Get in Shape, Get Money Back
    Ready for one of the biggest money-saving deals in your life? Buying life insurance and changing your lifestyle at the same time can get you some big bucks.

  4. Life Insurance and Cancer
    Can a cancer survivor get life insurance? Sure s/he can. But be careful - premiums vary wildly.

  5. Life Insurance and High Blood Pressure
    How to still get insurance with high blood pressure.

  6. Life Insurance and Diabetes
    A diagnosis of Diabetes means many new challenges in your life, not the least of which is trying to obtain life insurance.

  7. Health and how to get a better deal on your Life Insurance?
    What can you do about yourself that would ensure you get a better premium? Find out in this article written by Lorne S. Marr.

  8. Medical Tests and Life Insurance
    Taking a medical examination in concurrence with your life insurance application is an inconvenience worth enduring. It means protecting your family.

life insurance testimonials
I couldn’t be more pleased with the service LSM team has been providing to my family for years. I recommend to anyone to call LSM Insurance when seeking help with your insurance needs. (1 of 84)


  1. William Lloyd King 10/14/2008 at 9:45 am

    I am a type two diabetic, my blood sugars are under control with the aid of one 250 mg metformin tablet in the morning and one after supper in the evening, I have no other medical problems, I have never smoked and am sixty three year old,I am presently looking for insurance, could you please advise

  2. LSM Insurance 10/14/2008 at 10:53 am

    Thanks William. We will send you a separate email with some additional details we would need to verify. All the best!

  3. J. Masse 02/18/2009 at 12:18 pm

    I am looking for life insurance for my husband. He is 62 years old and had a heart attack 9 years ago with no problems since. Can he get insurance? The term insurance we had is due and the price is tripled. HELP!

  4. LSM Insurance 02/18/2009 at 12:27 pm


    Thanks for the note. We should be able to help. I will send you a seperate email. Regards … Lorne

  5. Judith B 03/31/2009 at 1:19 am

    My husband and I have been with Primerica for over 10 years. I am 49 with no real health problems and he is 42 and the same, but we both are smokers.
    Each year our rates go up and the coverage increases about $2,500.00, I think. I’m considering changing companies. We’re looking for more coverage with a better rate.
    Several years ago my husband was put in the hospital for Acute PTSD and was diagnosed with depression and being bi-polar. We’ve been with a volunteer Fire Department for almost 15 years. I’m not an active firefighter anymore, but he has been Chief for several years, hence the PTSD. He was put on medication which caused him to be diagnosed with diabetes. He has been off the meds for at least 5 years and has no problem with his blood sugar. I believe it was justational diabetes, like some women get when they are pregnant. However, he is at risk for it since his Father is a diabetic.
    I’d appreciate any guidance you could give me and would appreciate an e-mail with information.

    Thanks, Judith

  6. LSM Insurance 03/31/2009 at 8:49 am

    Hi Judith,

    Thanks for the note. We will send you a separate email. We would be happy to try and help but we would recommend carefully considering your options before canceling your existing policy. Traditional life insurance coverage for your husband may not be available or only available on a modified basis depending on his health.

  7. Nowlan 03/31/2009 at 11:36 am

    Good Morning:

    I am looking for life insurance as I am in excellent health but was diagnose with an illness which is under control and as long as I take my medication the illness would remain in a dormant stage. Other than this illness I am in very good shape and do exercise and play all kinds of sports. I am in very good shape for my age. I am 57 years old. Please write to me and let me know if I would be able to get life insurance.


  8. LSM Insurance 03/31/2009 at 3:17 pm

    Hi Nowlan,

    Thanks for the note.

    We will send you a separate email – you may qualify for a traditional life insurance plan. It would really depend on the type of illness.

    We also have a variety of guaranteed issue life insurance plans for harder to insure individuals.

  9. Katherine 05/04/2009 at 12:36 pm

    Dear Sir or Madam!

    I am looking for life insurance as I am in excellent health bu was diagnose with an illness which is under control and as long as I take my medication the illness would remain in a dormant stage. Other than this illness I am in very good shape and practice Taichi, Yoga, alternatine treatment, etc.. to keep me stronger than other people who have the same illness with me. I also look very young and good shape for my age which is 51old. Please write to me and let me know if I would be able to get life insurance. Many thanks.

  10. LSM Insurance 05/04/2009 at 1:04 pm

    Hi Katherine,

    Thanks for the note. You should qualify – We will send you a separate email and can starting working on a quote.

  11. ferne 06/02/2009 at 2:30 pm

    I am 41 years, with type 2 diabetic,my blood sugar is under control with two metformin tablets in the morning. I was turndown covers my scotia.I would like to be cover to give my family a pace of mind.

  12. Mharie 08/21/2009 at 5:12 pm

    Hi- I am a VERY active 74yr. old female-non-smoker I swim 3X a week & flyfish from a float tube about 6mos of the year. I would like a $15,00 policy & I am willing to take a medical. I have insurance(house) with AXA so would like to stay with them. What type of policy would you suggest,& what would be the premiums.Thanks

  13. LSM Insurance 08/22/2009 at 11:56 am

    Hi Mharie,

    A Permanent policy (i.e one with a level cost for life) would likely be your best fit. I will send you a quote by email now. Regards … Lorne

  14. Ted 05/14/2012 at 10:39 pm

    I am looking for life insurance but am diagnosed as a very mild bipolar 2. I have a stable job, family life etc. There was a suicide attempt in 2007 but no ideations since treatment and diagnosis. Overall well controlled to the point I may be removed from all drugs and the diagnosis is in question

  15. LSM Insurance 05/15/2012 at 10:48 am

    Hi Ted,

    Thanks for the note. Glad to hear things are improving. Depending on the details surrounding you bipolar depression you may be better off first applying for a Simplified Issue life insurance plan (no medical tests and 3 to 12 health questions) and than subsequently looking into a traditional life insurance plan.

    We will send you a separate email now.

  16. janet 01/08/2013 at 12:29 am

    Good day!Im looking for life insurance. Im 35 years old mother of two kids, don’t smoke, and in great shape. Im a live in caregiver as of the moment. Been in Canada for a year and six month now. I would like to know and have idea if I could apply for life insurance on monthly payment.

  17. LSM Insurance 01/08/2013 at 9:14 am

    Thanks for note. The premiums will depend on the type of plan and the amount of coverage we will send you a separate email now. Regards,

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