Other health conditions
Kidney disease, MS, autoimmune conditions, HIV, hepatitis, epilepsy and thyroid conditions.
7 articles in this section
Conditions here range from ones that are usually straightforward, like a well-managed thyroid condition, to ones where the assessment is detailed and the outcome varies a lot by insurer. What they have in common is that the diagnosis alone tells an underwriter very little, and the follow-up records tell them almost everything.
Questions about other health conditions
Kidney disease and life insurance
How insurers use eGFR and protein in the urine to assess chronic kidney disease, what dialysis means for an application, and how a transplant is viewed.4 minMultiple sclerosis and life insurance
How insurers assess MS: the type of course, relapse frequency, degree of disability and time since diagnosis, and why insurer approaches differ so much.4 minLiving with HIV and life insurance
Life insurance for people living with HIV has changed in Canada. What insurers now assess, including viral load, CD4 count and treatment adherence.4 minHepatitis B and C and life insurance
How insurers assess hepatitis B and C differently, why a cured hepatitis C infection changes the picture, and what liver assessment results mean.4 minLupus, rheumatoid arthritis and IBD
How Canadian insurers assess lupus, rheumatoid arthritis, Crohn's disease and ulcerative colitis, and why organ involvement drives the outcome.5 minEpilepsy and seizure disorders
How insurers assess epilepsy: seizure frequency and control, the type of seizures, whether a cause was found, and what a long seizure-free period is worth.4 minThyroid conditions and life insurance
Why a treated thyroid condition is usually a non-event in Canadian life insurance underwriting, and the few situations where it matters.4 min
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