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Rated or rejected for Life Insurance

If you have been rated or rejected for Life Insurance due to one of these conditions, we may be able to help.

 

Addison’s Disease
AIDS
Alcoholism – Active
Alcoholism – Recovering 3 or more years. Alzheimer’s Disease
Aneurysm – Abdominal, stable, well followed, or successfully operated. Aneurysm – Single, cerebral, complete recovery
Aneurysm – Other than above
Angina
Angioplasty – Within 6 months without Stent
Angioplasty – After 6 months. Good cholesterol and blood pressure. No smoking, takes Aspirin
Anxiety – Chronic, no interference with ADLs Aortic Valve Disease
Aortic Valve Disease – Moderate
Aortic Valve Disease – Severe
Arthritis – Severe or requiring steroid or Immunosuppressant. Asthma – Mild
Asthma – Moderate
Asthma – Severe, using oral steroids.
Atrial Fibrillation – Controlled by Rx
Bronchiectasis – Mild, infrequent symptoms
Bypass Surgery, or PTCA with Stent – Recovered 3 mos., not smoking, good cholesterol and blood pressure. Takes Aspirin
complete recovery after 2 years. Cardiomyopathy
Carotid Artery Disease – No symptoms, mild
Carotid Artery Disease – Operated, After 3 mos. Cirrhosis
Congestive Heart Failure
Coronary Artery Disease, Bypass Surgery
Coronary Artery Disease, Medical Treatment or angioplasty – No symptoms. Good lipids, blood pressure and Aspirin use
Coronary Disease
Crohn’s Disease – Stable mild, no steroids or Immunosuppressant
Crohn’s Disease – Moderate to severe
Chronic Obstructive Pulmonary Disease – Mild, no steroids, not smoking
Chronic Obstructive Pulmonary Disease – Moderate to severe
Dementia
Depression – Mild to moderate, controlled, medication use OK
Depression – Severe, or hospitalization within 5 years
Diabetes – Controlled, no complications, good lipids and blood pressure
Diabetes – Poor control of blood sugar, lipids, blood pressure, or associated with Arteriosclerotic Cardiovascular disease or any other complications (neuropathy, proteinuria or retinopathy)
Emphysema – See Chronic Obstructive Pulmonary Disease. Endarterectomy – See Carotid Artery Disease, operated. Epilepsy – Well controlled, no seizures within the last year
Heart Attack – Fully recovered after 6 mos. Favorable stress Echocardiogram. Controlled lipids and blood pressure, no diabetes or smoking
Heart Attack
Heart Valve Replacement – Fully recovered after 6 mos. Normal heart functions on Echocardiogram
Hepatitis – Acute, fully recovered. Hepatitis – Chronic
Hydrocephalus – Operated, controlled
Kidney Failure – Chronic
Lupus – Systemic
Lupus – Skin only
Memory loss
Mental Impairment or Retardation
Mitral Valve Disease – Mild
Mitral Valve Disease – Moderate
Mitral Valve Disease – Severe
Multiple Myeloma
Multiple Sclerosis
Muscular Dystrophy
Myasthenia Gravis
Neuropathy – Mild. NO medications. Not associated with disease.
Pacemaker – Stable
Paget’s Disease – Mild, no symptoms
Paralysis – Paraplegia
Parkinson’s Disease
Peripheral Vascular Disease – Operated, fully recovered
Peripheral Vascular Disease, Others Polycystic Kidney Disease
Psychosis or other major psych disorder
Quadriplegia
Renal Failure
Sleep Apnea – Treated, no symptoms
Sleep Apnea – Untreated or symptomatic
Spinal Stenosis – Stable, mild, no interference with activity
Spinal Stenosis – Others
Stroke/TIA – Single, fully recovered 6 mos., on preventative medications
Stroke/TIA – Multiple or residual symptoms, or significant residual symptoms
Transplants – Organ
Ulcerative Colitis – Stable, mild, no steroids or Immunosuppressant
Ulcerative Colitis – Moderate to severe