A neurological disorder is any condition that affects the brain, spinal cord, or peripheral nerves, leading to symptoms such as weakness, sensory changes, seizures, movement abnormalities, cognitive impairment, or chronic pain. Examples include epilepsy, Parkinson's disease, multiple sclerosis, stroke-related deficits, neuropathies, and certain movement or degenerative disorders. The impact of a neurological disorder on daily functioning can range from mild to profoundly disabling, and progression may be stable, relapsing, or progressive depending on the diagnosis. From an insurance perspective, neurological disorders are significant impairments that can increase mortality and morbidity risk, affecting eligibility and pricing for life, disability, and long-term care coverage. Accurate diagnosis, severity grading, and stability are key factors in underwriting decisions.

In underwriting files, the term neurological disorder often appears as a broad category that prompts underwriters to request detailed neurologist records, imaging studies, and functional assessments. Advisors help clients assemble documentation that clarifies whether the condition is stable, improving, or worsening, and how it affects activities of daily living and work capacity. Mild, well-controlled disorders may still be insurable with ratings, while progressive or severe conditions often lead to postponement or decline, especially for disability and long-term care. Producers working with clients who have neurological disorders may engage impaired-risk specialists or explore simplified-issue and guaranteed-issue alternatives when traditional underwriting is not feasible. Clear communication about functional status and prognosis can improve underwriting outcomes and ensure that coverage recommendations remain realistic.