How rigid are the underwriting requirements?
Insurance companies vary on this issue. If you have recovered from cancer or heart problems for example, some companies want you to be recovered two years, some five years. If you are recovered with no current treatment and no complications, you can usually get a policy. Progressive conditions, such as Parkinson s, Alzheimer s or severe rheumatoid arthritis, are uninsurable. You need to apply BEFORE these conditions arise. Also, multiple conditions such as diabetes and heart problems or multiple strokes can be difficult to insure. Companies are becoming stricter on osteoporosis, which makes it important for women to apply for coverage at younger ages because osteoporosis is common with older women. Conditions like hypertension are usually insurable if well under control. Most companies will accept diabetes controlled by diet, and some companies will even accept insulin-dependent diabetics (commonly up to 50 units/day). The only way to find out for sure is to apply there is never an obl
