Life insurance with high cholesterol: the full picture
How high cholesterol and statins affect life insurance: what insurers measure, where their limits sit, and how to get a better price.
Guides
Life insurance with epilepsy: what insurers look at
How US life insurers view epilepsy and seizures, from postponement after a new diagnosis to better options after long seizure-free periods. Covers seizure type, ratings, the driver's license factor and no-exam routes.
Life insurance after a DUI: how long insurers look back
A DUI is priced mostly by time since the offense, the number of offenses and license status. This guide explains look-back periods, flat extras and how to choose a route.
Life insurance after cancer: waiting periods and options
Cancer history doesn't automatically rule out life insurance. Insurers look at type and stage, time since treatment, and recurrence or spread, and their waiting periods vary widely.
Life insurance with Crohn's disease or ulcerative colitis
How life insurers judge Crohn's disease and ulcerative colitis, including time since diagnosis, severity and why a medication can matter as much as the diagnosis. Covers fully underwritten versus no-exam routes and how to prepare.
Life insurance with heart disease or after a heart attack
Heart conditions are among the hardest to insure, but cases are priced by timing, age at the event, the specific condition and results since. Most need full underwriting.
Life insurance after a stroke or TIA: what insurers look at
A stroke or TIA does not always mean a decline. Insurers look at how many events you've had, how long ago, and how well you recovered.
Life insurance with asthma: what insurers look at
How US life insurers judge asthma by severity, attacks, treatment and tobacco use, why a COPD label matters, and whether to apply fully underwritten or no-exam.
Life insurance with sleep apnea: how CPAP use affects your rate
Sleep apnea rarely blocks life insurance. This guide explains how severity and treatment records shape your rate and which application route to consider.
Life insurance with depression and anxiety: how insurers judge severity
How US life insurers sort depression and anxiety into mild, moderate and severe, what moves your price, and how fully underwritten and no-exam routes differ.
Life Insurance After Quitting Smoking: How Long Until Non-Smoker Rates?
Learn when non-smoker life insurance rates may apply after you quit, how insurers treat vaping and nicotine, and whether an existing rate can change
Term Life Insurance for Green Card and Visa Holders
You do not always need US citizenship to qualify for term life insurance. Every carrier reviewed has a route for at least some permanent residents, and several consider temporary visa holders. Some dependent visa holders can also apply. Eligibility still depends on the carrier, status documentation, US residence, financial justification and the complete application.
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