– Hereditary Cancer Syndrome

By now you’ve probably heard the exciting news that some companies will no longer consider family cancer histories as an adverse underwriting factor that would prevent applicants from consideration for preferred classes unless there are features of the family history that suggest a hereditary cancer syndrome may be present. While all cancers are believed to … Read more– Hereditary Cancer Syndrome

– T Wave Changes

The basic components of an electrocardiogram: An EKG can help disclose the presence of arrhythmias, heart block, prior myocardial infarction, cardiomyopathy (primary disease of heart muscle), left ventricular hypertrophy, and other conditions. While not always diagnostic of a specific cardiac condition, an EKG abnormality can be a red flag to a potential problem and the … Read more– T Wave Changes

– Premature Ventricular Contractions

Characteristics Premature ventricular contractions, or PVCs, are heartbeats that occur earlier than usual and originate in a ventricle (a bottom chamber of the heart). Heartbeats normally originate in the sinoatrial node, also called the SA node, which is located in the right atrium (top right chamber of the heart). PVCs are commonly seen in insurance … Read more– Premature Ventricular Contractions

– Coronary Artery Disease

Risk Factors: Major coronary artery disease risk factors include tobacco use, hypertension, diabetes, obesity, physical inactivity, family history of coronary artery disease, and hyperlipidemia. The Legal & General America underwriting philosophy emphasizes the cholesterol/HDL ratio rather than total cholesterol in underwriting applicants without known heart disease due to its better predictive value. People with coronary … Read more– Coronary Artery Disease

– Liver Enzyme Abnormalities

Characteristics The liver, which is located in the right upper abdominal cavity, is an actor that truly plays many roles in the stage of life. Just a partial list of the liver’s many functions includes the formation of plasma proteins, the breakdown of medications and harmful substances, conversion of glucose into the starch glycogen for … Read more– Liver Enzyme Abnormalities

– 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

– 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