Neuropathy is a general term for damage or dysfunction of peripheral nerves, which can cause numbness, tingling, burning pain, weakness, or loss of sensation, most commonly in the hands and feet. It may result from diabetes, alcohol abuse, autoimmune diseases, infections, vitamin deficiencies, chemotherapy, or other causes. Diabetic peripheral neuropathy is especially common and can increase the risk of foot ulcers, infections, and falls. Neuropathy can be classified as sensory, motor, or autonomic depending on which nerve fibers are affected. Treatment focuses on managing the underlying cause, relieving symptoms, and preventing complications. For insurers, neuropathy is an important clinical marker that can signal underlying systemic disease and increased risk of disability and mortality, particularly when associated with diabetes or other chronic conditions.

In underwriting, neuropathy often appears in medical records for applicants with diabetes, chemotherapy histories, or chronic alcohol use. Underwriters assess the severity, distribution, and cause of neuropathy, reviewing neurological exams and podiatry notes when available. Mild, stable neuropathy with good glycemic control may lead to moderate table ratings, while severe neuropathy with ulcers, gait disturbance, or amputations can result in declines. Advisors supporting clients with neuropathy gather detailed physician summaries and document any improvements or stability over time. They also consider how neuropathy affects suitability for long-term care insurance due to fall risk and assistance needs. Educating clients about the insurance implications of neuropathy encourages proactive management of underlying conditions and realistic expectations for underwriting outcomes.