Rated or rejected for Life Insurance

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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
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
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
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
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