Yes. Options depend on age, stage and progression, medications, mobility, cognitive status, and other health factors. Many applicants qualify for simplified issue or guaranteed issue; some early-stage applicants can still qualify for fully underwritten coverage.

Availability varies by severity and age. Early-stage applicants may access term or whole life with table ratings. If traditional underwriting isn’t available, simplified issue final expense or guaranteed issue whole life are common alternatives.

Earlier stages with stable symptoms and strong daily functioning generally see better offers. Advanced stages, frequent falls, swallowing issues, or dementia typically limit choices and increase premiums.

Expect questions about diagnosis date, stage, symptom control, mobility/fall history, swallowing or aspiration risk, cognitive changes, medications and dosages, neurology follow-ups, hospitalizations, and any assistive devices or home health care.

Yes. Insurers review medication types, dosage, and stability over time. Well-controlled symptoms with consistent treatment generally reflect more favorably than frequent changes or escalating doses tied to complications.

DBS does not automatically disqualify you. Underwriters will look at the date of implantation, results, follow-up notes, and any complications. Stable outcomes can support more favorable consideration.

Documented aspiration risk, pneumonia history, or recurrent falls increase perceived risk and can narrow options to simplified or guaranteed issue. Clear physician notes showing management and improvements can help.

Coverage becomes more limited as cognitive impairment progresses. Guaranteed issue whole life (with graded benefits for the first two years) is often the practical path if cognitive decline is present.

Traditional policies may be available at lower face amounts with table ratings. Final expense policies commonly range from $5,000–$40,000; some carriers allow higher amounts depending on age and underwriting.

Simplified issue decisions can be made within minutes to a few days. Fully underwritten cases may take 2–6 weeks depending on medical records, attending physician statements, and any required exams (when applicable).

Not always. Many simplified and guaranteed issue policies require no exam. Fully underwritten options may request labs, exam, or physician records depending on age and amount of coverage.

Provide complete neurology records, document stable medications and follow-ups, note physical therapy, fall-prevention measures, and any assistive devices. Demonstrating stability and good compliance helps.

Yes. Existing, in-force policies remain valid as long as premiums are paid and the application was truthful at the time of issue. New diagnoses after issue don’t change already issued coverage.

A prior decline doesn’t end your options. Different carriers have different guidelines. Depending on your profile, a simplified or guaranteed issue policy may still be available.

Some riders may be available depending on the product and carrier. Availability can be limited with Parkinson’s; review rider eligibility and definitions before purchase.

Yes. Many simplified and guaranteed issue plans are built for ages 50–85, with carrier-specific ranges. Fully underwritten term may be limited after certain ages. Check age bands for each product.

Premiums reflect age, benefit amount, policy type, and underwriting class. With traditional underwriting, table ratings may apply. Simplified and guaranteed issue policies price risk into level premiums by design.

For larger face amounts, insurers may require financial justification (income replacement or estate needs). Smaller final expense policies typically have minimal financial underwriting.