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Speak with an experienced advisor! (877) 583-3955Written by Termland.com
Do insurers take into consideration the severity of peripheral vascular disease when evaluating applicants? Peripheral vascular disease is a form of arteriosclerosis, hardening of the arteries, caused by the build-up of fatty material within the blood vessels. It is a progressive disease that blocks, narrows or weakens the arteries of approximately 10 million people in.. More
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Applying for insurance should pose few problems for people with peptic ulcers. Ulcers are a common ailment of modern society. People of any age can develop an ulcer and they affect men and women equally. About one out of every ten Americans will suffer from the burning, gnawing abdominal pain of an ulcer sometime in.. More
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Will pancreatitis complicate my efforts to secure life insurance? Pancreatitis means inflammation of the pancreas, an elongated gland that is located behind the stomach. It is a condition that can be acute or chronic and affects men more often than women. Two Types of Pancreatitis The pancreas is responsible for secreting digestive enzymes and hormones,.. More
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Pancreatic Cancer and Life Insurance Will a diagnosis of pancreatic cancer make it difficult to purchase life insurance? The pancreas produces fluids used by the body to digest food and hormones responsible for the regulation of how the body stores digested food. Pancreatic cancer is a difficult to diagnose due to the fact that the.. More
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How Pacemakers Affect Life Insurance Prices Pacemakers may not cause life insurers to skip a beat with your application. A pacemaker is a battery-operated device that sends electrical impulses to the heart muscle to maintain a normal heart rate and rhythm when it is damaged and cannot regulate the rate itself. Pacemakers are about the.. More
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The discovery of osteoporosis does not usually affect a person’s insurability. Osteoporosis is the most common type of bone disease and it poses a major health threat to 28 million Americans. An estimated 10 million Americans have osteoporosis and the other 18 million have low bone mass, a condition known as osteopenia, which may lead.. More
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Osteoarthritis and Its Impact on Life Insurance Prices Osteoarthritis is the most common type of arthritis. It is also referred to as hypertrophic or degenerative joint disease and most commonly affects older people. Daily wear and tear on the weight bearing joints of the hips, knees and spine make them susceptible to osteoarthritis, but it.. More
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The insurance industry’s equivalent to the credit bureau! What is the Medical Information Bureau (MIB)? The medical information bureau (MIB) is an insurance industry database which holds important medical and other significant non-medical information (driving information and hazardous sports or hobbies) on individuals that have applied for insurance in the past. It is a consumer.. More
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“My doctor never mentioned that she was concerned about my health so why did my life insurance company charge me more for my policy?” The answer is that life insurance companies and medical doctors evaluate medical conditions from different perspectives. Therefore, it is quite common for an insurance company to charge an increased rate for.. More
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Life insurance policy underwriting is the process insurance companies use to review an individual’s health history, avocations and lifestyle factors to determine their actual risk of mortality. The goal of life insurance underwriting is to accurately assess an individual’s risk level for the purposes of assigning the appropriate rate for life insurance. Each company has.. More
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