– Epilepsy

Epilepsy is categorized as being symptomatic or idiopathic: If the underlying cause of someone’s epilepsy is known, then it is called symptomatic. Some of the many possible causes of symptomatic epilepsy include structural brain abnormalities, brain trauma, stroke, tumors, and drug intoxication or withdrawal, including alcohol. A majority of cases of epilepsy are idiopathic, with … Read more– Epilepsy

– Obstructive Sleep Apnea

Characteristics Obstructive sleep apnea (OSA) is a chronic condition characterized by repetitive partial or total collapse of the upper airway during sleep, resulting in partial or total breathing cessation. An apnea is complete cessation of breathing for at least ten seconds. A hypopnea is a partial cessation of breathing for at least ten seconds, accompanied … Read more– Obstructive Sleep Apnea

– Aortic Stenosis

Characteristics Aortic stenosis is a commonly seen condition in which the aortic valve has a smaller opening than usual. The left ventricle pumps blood through the aortic valve in order to deliver freshly oxygenated blood to the aorta for distribution throughout the body. Major causes of aortic stenosis are rheumatic heart disease, being born with … Read more– Aortic Stenosis

– Colorectal Cancer

CHARACTERISTICS: Colorectal cancer is the third most common type of nonskin cancer and the second leading cause of cancer related mortality in the United States when considering tumors that affect both genders. The lifetime risk of developing colorectal cancer in this country is over four percent. The overall incidence and mortality from colorectal cancer has … Read more– Colorectal Cancer

– Ulcerative Colitis

What is Ulcerative Colitis? Ulcerative colitis, which is the most common type of inflammatory bowel disease, is a condition of episodic inflammation of the lining, or mucosa, of the colon, resulting in bloody diarrhea. The other type of inflammatory bowel disease is Crohn’s disease. The cause of ulcerative colitis is unknown, but both environmental and … Read more– Ulcerative Colitis

– Rheumatoid Arthritis

Characteristics Rheumatoid arthritis is an autoimmune disease of unknown cause that results in chronic systemic inflammation affecting many parts of the body, but primarily the joints. The clinical course is highly variable. The disease can fluctuate and may sometimes go into remission for months or years, either spontaneously or with the use of various medications. … Read more– Rheumatoid Arthritis

– Parkinson’s | Facts & Cases

Characteristics Parkinson’s Disease is a progressive degenerative disorder of the central nervous system named after the English physician, James Parkinson, who published the first detailed description of the disease in “An Essay on the Shaking Palsy” in 1817. It is best thought of as a condition that impairs movement. The disorder is characterized by resting … Read more– Parkinson’s | Facts & Cases

– People Living with HIV

Underwriting Guidelines for Individuals Living with HIV UNDERWRITING Thanks to treatment advances, of the more than 1.2 million Americans living with HIV, many are living longer and healthier lives.* Prudential, Munich Re, and a company named ÆQUALIS are working together to offer life insurance to individuals living with HIV. ÆQUALIS has an educational, self declaration … Read more– People Living with HIV

– Top 10 Underwriting Niches

Preferred Plus consideration for cigarette smokers 3 years out Treated Hypercholesterolemia can qualify for Preferred Plus Treated Hypertension can qualify for Preferred Plus Combination of treated HTN/cholesterol can qualify for Preferred Plus Controlled Type II Diabetes can qualify for Standard Plus Asthma on two medications or less (well controlled) can qualify for Preferred Anxiety/depression on … Read more– Top 10 Underwriting Niches