Qualifying for Life Insurance with Organic Brain Syndrome.

Organic brain syndrome (OBS) is an pre-existing medical condition which is typically defined as any condition that decreases one’s mental functioning due to some underlying medical cause other than a psychiatric illness.

OBS is the term used to describe a group of neurocognitive disorders that can be caused by:

  • A traumatic brain injury,
  • Blood clots,
  • Meningitis,
  • Encepthalitis,
  • Secpticemia,
  • Drug or alcohol abuse,
  • Vitamin deficiency,

As well as:

  • Alzheimer’s disease,
  • Parkinson’s disease,
  • Huntington’s disease,
  • Dementia,
  • Prion disease,
  • Or multiple sclerosis.

And as you can see…

There are a lot of potential causes for why someone may be diagnosed with organic brain syndrome.  The tricky part for us here at TermLife2Go is, in order for us to know what “type” of life insurance policy you may or may not be able to qualify for, we’re first going to need to know:

“What caused your organic brain syndrome?”

Now as a general “rule of thumb”…

If you been diagnosed with organic brain syndrome, chances are you’re not going to qualify for at traditional term or whole life insurance policy.  However, we always want to be sure that we fully understand your “condition” before we ever jump to any conclusions.

You see…

Because there are some many potential causes that can lead one to be diagnosed with organic brain syndrome, we always want to get a better understanding of what “caused” your diagnosis and is this potential cause a “temporary” condition, or is it something that you will be dealing with for the rest of your life?

Now if you’re condition is…

A temporary condition which “theoretically” can improve with time, we won’t want to rule out your chances of being able to qualify for a traditional term or whole life insurance policy sometime in the future.

For example:

If you have contracted meningitis, which has caused you to lose some of your cognitive abilities, but over time those abilities “may” return, it’s quite possible you may be able to qualify for a traditional life insurance policy.

Which is why…

In this article, we don’t want to try to focus on those individuals who may one day be eligible simply because there are way too many variables to consider.

Instead, we would encourage those folks to simply give us a call so that we can examine their situation in more detail.

In this article…

We want to focus exclusively on those who have been diagnosed with organic brain syndrome and do not anticipate significant improvement over time.

Options available for those suffering from permanent organic brain syndrome.

When it comes time to applying for life insurance with a pre-existing medical condition like organic brain syndrome, what you’re generally going to find is that you’re not going to qualify for a traditional life insurance policy.


You’re going to need to pursue a life insurance option that will not require you to take a medical exam or answer any health-related questions.

The good news is…

That these “types” of life insurance policies do exist, they’re called Guaranteed Issue Life Policies.  And while these types of life insurance policies may not be everyone’s first choice, they are a great option for those who can’t qualify for traditional life insurance.

But there is one additional…

Factor that does need to be considered which is not always the case with individuals suffering from other “types” of pre-existing medical conditions.  And that is the fact that it is important to understand that an insurance policy is a legal contract.  A legal contract between the insured and the insurance company.


  • What happens if the insured, isn’t “mentally” competent to enter into a legal contract?
  • Or what constitutes being mentally “competent”?

Now that last thing that we here at TermLife2Go ever want to be accused of is misleading or taking advantage of a client.  We also don’t want to avoid any potential issues by simply refusing to help a client who may be diagnosed with organic brain syndrome.

Which is why…

We here at TermLife2Go, have chosen to simply recommend that our clients who have been diagnosed with organic brain syndrome contact the insurance companies directly so that the insurance companies can ultimately make the decision on who they will and won’t insure.

So, what are you waiting for?  Give us a call today or visit our Life Insurance Quotes page and see what we can do for you!


Because we’ve been doing this awhile here at TermLife2Go, we know that a lot of times when you suffer from a condition like organic brain syndrome you’re not really able to work and may not have a ton of discretionary income, especially if you’re currently receiving SSI disability.

This is why…

We’ve chosen also to write an article The Best Money Making Apps to help those who may not be able to actually go to work every day find ways that they can make money from home, on their own time.

Now will you end up using this money to help finance a life insurance policy? 

Who knows, but our ultimate goal here at TermLife2Go is to help improve the financial security of our clients so it is our hope that this article and our Best Money Making Apps article helps you do this.

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