In-depth, plain-English guides from the licensed life insurance professionals at Eterm.com and CIGI Direct Insurance Services. We have spent 40 years helping people - including many with health conditions other companies turn away - find the right coverage at the best price. These guides share what we have learned.
Most people with well-controlled type 2 diabetes can qualify for term life insurance at reasonable rates. What underwriters look at, what affects your rate, and how to get approved.
Last reviewed: August 10, 2026
Mitral valve prolapse is common - and by itself it usually does not prevent you from getting life insurance at good rates. What underwriters look for with MVP, mitral regurgitation, and mitral stenosis, and how to apply smart.
Last reviewed: August 10, 2026
Your need for coverage changes as your life changes. The life events that should trigger a review, why group coverage through work is not a plan, and how the purpose of life insurance shifts as you approach retirement.
Last reviewed: August 10, 2026
Treated, well-controlled high blood pressure is one of the most routinely approved conditions in life insurance - many applicants still qualify for Preferred rates. What underwriters look at and how to apply smart.
Last reviewed: August 11, 2026
A heart attack or heart disease diagnosis does not end your life insurance options. How long to wait, what underwriters evaluate, what table ratings mean, and why company selection matters more here than almost anywhere.
Last reviewed: August 11, 2026
Surviving cancer does not mean going without life insurance. Waiting periods by cancer type, how underwriters read your history, what a flat extra is, and the options if traditional coverage is not available yet.
Last reviewed: August 11, 2026
Every insurer has its own height and weight chart, and the differences between them are dramatic. How build affects your rate class, how recent weight loss is counted, and why shopping companies matters so much.
Last reviewed: August 11, 2026
More guides are on the way. Have a topic or question you would like us to cover? Let us know - or get a free instant term life quote right now.
