Restless leg syndrome (RLS) is a neurological condition characterized by uncomfortable sensations in the legs and an uncontrollable urge to move them, typically worsening at rest and in the evening. Symptoms can disrupt sleep and lead to daytime fatigue, but the condition is usually not life-threatening. Causes include idiopathic forms, iron deficiency, kidney disease, pregnancy, and certain medications. Treatments range from lifestyle changes and iron supplementation to prescription drugs. For life insurance underwriting, restless leg syndrome is generally a minor impairment unless it is associated with significant underlying disorders or severe sleep disruption impacting overall health.

Underwriters typically treat restless leg syndrome as a low-severity condition, reviewing records mainly to rule out more serious neurological or systemic disease. If RLS is well controlled with conservative measures or stable medication, standard underwriting offers are common. Advisors may encounter RLS on applications or attending physician statements and can reassure clients that the condition alone rarely drives ratings. However, if RLS coexists with chronic renal disease, severe sleep apnea, or heavy sedative use, underwriters consider the broader risk profile. Explaining this context helps clients understand why RLS is usually a minor underwriting factor.