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Crohn's Disease Life Insurance Underwriting

Life insurance is the best investment you’ll ever make for your loved ones. It’s one of the few ways you can ensure that your family has the money they need, regardless of what happens. When you shop for life insurance, there are several factors you need to consider to ensure you’re getting the best rates possible.
When you apply for life insurance, the company is going to review dozens of factors to determine how much they are going to charge you for insurance protection. One of the most important factors they are going to review is your health. If you have Crohn’s disease, you might be worried about getting declined for life insurance coverage. Don’t worry, it’s possible to get quality and affordable life insurance protection, even with a pre-existing condition.   (more…)

If you suffer from Polycythemia and need to get a life insurance policy, this article will cover your what your options are. The disease causes an increase in the proportion of blood volume due to an increase in red blood cells, or by a decrease in the volume of plasma.

It’s possible to have Polycythemia vera - a rare disease, also known as Primary Polycythemia. Red blood cells increase slowly over a period of time and you may never feel any symptoms or know you have it. Usually this is discovered in a blood test.

Common treatments that can stabilize the condition are simply having blood taken out - called a phlebotomy - to reduce your overall blood count, medication, or even taking low dosage of aspirin. (more…)

Life Insurance with Crohn's DiseaseIf you have Crohn’s disease it is very likely that you can get a life insurance policy. Even if you have been declined before, it could be because the agent or insurance company you worked with was not the right fit for you. Not every insurance company offers life insurance with crohn's disease or  wants to insure people with pre-existing conditions; and working with the right company can make the difference between being approved or declined for coverage.
Life insurance is one of the best investments that you’ll ever make for your family members. It’s one of the few ways that you can ensure that your loved ones have the money that they need, even if something tragic were to happen to you. This article is going to look at the different ways that you can lower your rates and ensure that you have the perfect plan for you. (more…)

Irregular Heartbeat Life InsuranceOver 2 million American have an irregular heartbeat. If you have an irregular heart beat and looking to get information on obtaining life insurance coverage this article will let you know what questions you should be ready to answer, so that you can get an accurate quote. The good news is that you typically can qualify for life insurance with Arrhythmia or an irregular heart beat.
This article is going to look at how an irregular heartbeat is going to impact your life insurance rates and ways that you can save money on your life insurance policy. Life insurance is one of the best safety nets that you’ll ever purchase for your loved ones. It’s one of the few ways that you can guarantee that your loved ones have the money that they need, even if something tragic were to happen to you. (more…)

When you apply for life insurance protection, they are going to look at dozens of different factors to determine how much they are going to pay for insurance protection. One obvious factor is your health or any pre-existing health conditions that you have. If you've been diagnosed with cancer, you might assume that you can't get life insurance coverage. In most cases, that isn't true. Regardless of your health or any complications, it's possible to get insurance protection. Not having life insurance is one of the worst mistakes that you could ever make for your loved ones.
Life insurance is one of the most important purchases that you'll ever make for your loved ones. Not having life insurance is one of the worst mistakes that you could make for your loved ones. If something tragic were to happen to you, and you didn't have coverage, your family would be stuck with a massive amount of debt and other final expenses.
When you're shopping for life insurance coverage, it's important that you understand all of the different factors to ensure that you're getting the best plan available. (more…)

Life Insurance with Sjogren's SyndromeThere are over 4 million American’s who suffer from Sjogren’s syndrome. 9 out of 10 of those who suffer are women, and Sjorgen’s is 2nd most common autoimmune rheumatic disease.
If you suffer from Sjogren’s and are looking for life insurance the good news is that you can get approved for a policy. (more…)

If you have been declined for life insurance due to Hepatitis C, it is very likely that that you haven’t applied with the right life insurance company. It isn't your fault, most likely the agent you applied with was not knowledgeable on knowing which life insurance company to apply with. There are some life insurance companies that only want to insure individuals that don’t have any pre-existing conditions, and if you applied with one of those companies you would have been declined due to the elevated liver function test results that results from Hepatitis C.
Hep C is probably more common than you might think. There are an estimated 4 million people in the United States that are suffering from hepatitis. Of that 4 million, around 3 million of those have hep C and there are around 3,000 people that die every year from a hep C related complications. (more…)

If you're reading this blog post, you might be thinking about getting a life insurance policy, and may be wondering what you can expect, since you have diabetes.
Life Insurance With DiabetesIn this blog post I will provide you information that will help you get the best price on life insurance with diabetes and potentially save you time and heartache.
Life insurance is one of the most important safety nets that you can purchase for your loved ones. It’s vital that you give them the protection that they deserve. If something tragic were to happen to you, your life insurance plan will make the process easier.
If you’re been diagnosed with diabetes, you may think it’s impossible to find an affordable life insurance plan, but that couldn’t be further from the truth. Yes, you may pay more for coverage, but there are still several ways that you can find the perfect life insurance plan for you. (more…)

If you have been diagnosed with depression or anxiety disorder, or you have a history of these mental illnesses, the last thing you need is to be denied life insurance because of it. However, you are more likely to avoid this if you understand what term life insurance providers are looking for.

We at Chooseterm.com are connected with over 30 different insurance companies, and we will work to help you get not only approved, but the best rates possible. So we can do our job the best that we can, we will need to have some information about your depression/anxiety disorder. Keep reading to learn more about what to expect, but know that you can always start looking at quotes right away using the quote form right on this page.

Does Depression Affect Eligibility for Life Insurance?

The short answer is yes, it can. The long answer is considerably more complicated.

First things first, you should know what the term “depression” actually means. True clinical depression is more than being sad. If you’ve been diagnosed, this means that you have had persistent “down” feelings for a period of time and have experienced a loss of interest in things you formerly enjoyed. Clinical depression changes the way you think, feel and behave. In fact, an estimated 19 million Americans are currently living with major depression, so you are definitely not alone.

Years ago, even mild depression often resulted in life insurance denial. Now, however  most people with depression get approved for life insurance coverage.

The reason depression can affect your life insurance eligibility is because depression increases your risk of physical issues, as well as your risk of suicide and putting yourself in dangerous, potentially life-threatening situations. The more your depression is controlled with medication or therapy, the better the rates you will get for life insurance.

Life insurance rates are based on health ratings, which range from Preferred Plus to Substandard, with Preferred Plus being the cheapest and Substandard being the most expensive. Generally speaking, if you are on one medication for your depression or anxiety, the best possible health rating you can get will be Preferred and you can still get excellent rates. If you are taking two or more medications, the best rating you will be able to get will be standard plus. Keep in mind that the exact health rating you get will also depend on your overall physical health and other factors like age, family health history, etc.

Honesty is Key

Being honest with both your insurance agent and the companies you are applying for coverage with is vital if you want to be approved. Even if your disorder did not result in hospitalization, long-term medication or other treatment, hiding or omitting information about your depression can result in future denial of your life insurance claim.

Insurance companies will want to know a lot about your condition, including whether it has been linked to a major life event or has been ongoing and chronic without an obvious cause. Depression linked to a major life event like the death of a loved one is most likely not as long lasting or as damaging as other kinds, and insurance companies are far more likely to offer you the best rates.

If you have been hospitalized or have received psychiatric treatment resulting from your depression, you will probably get a table rating, which means a higher rate.

To get started on learning more about term life insurance with depression and getting the best rates possible for you, simply fill in our contact form on this website.

Perhaps you're looking for rates from different companies such as someone interested in an Allstate Life Insurance policy. If so, let us help you today!

Having life insurance brings peace of mind of you and your family, which is something you cannot put a price tag on, but many people believe that getting life insurance with COPD is not going to happen because of their condition. This is completely false and many people are surprised to hear how affordable their insurance can be, even with COPD. While it may not be as easy for those without COPD, you can find affordable coverage that gives you and your family the peace of mind they deserve.
If you have COPD (Chronic Obstructive Pulmonary Disease) and need to get life insurance, this blog post will cover what your options are for getting approved and tips to staying away from being classified as high risk or uninsurable.. The key to getting approved is applying with the right life insurance company, as not all companies will approve you. Life Insurance with COPD
There are several reasons why you might have COPD – the most common being from smoking cigarettes, cigars, or a pipe. It’s also possible to get COPD from environmental reasons like air pollution, chemical fumes. You may even have COPD or emphysema as a result of a hereditary disease known as Alpha 1-Antitrypsin (A1AT). The good news is that no matter the cause of the COPD you do have options of getting approved for life insurance with COPD. I’ll also give some examples of pricing so that you have an idea of what you might be able to expect.

What exactly is COPD?

COPD is a disease in that long that creates problems breathing. The disease has two main components: chronic bronchitis and emphysema. These illnesses impact the two primary sections of the lung, the bronchial tubes and the alveoli. Chronic bronchitis inflames the lining of the bronchial tubes, also known as your airways. The swelling and irritation causes mucus to build up, which then makes it harder to breath. The emphysema makes it difficult for oxygen to get into the lungs and for carbon dioxide to get out of the lungs. Having COPD also put you at other health complications like cardiovascular complications, high blood pressure, and respiratory infections.
While there is no cure for COPD, there are several ways that you can treat COPD to help lower your risk of having other complications. A doctor could prescribe antibiotics to treat the respiratory infections that can cause even more damage to your lungs. You could also be prescribed a bronchodilator or steroids. Both of these techniques work to improve your ability to breathe. The bronchodilators relax the muscles near your airways that allows for more breathing room, while the steroids do the same thing, but are only given to those with worse COPD.
If you COPD is considered severe, you doctor may instruct you to have more advanced treatments like oxygen therapy, pulmonary rehabilitation, or surgery. Oxygen therapy provides patients with external oxygen that is fed through tubes in the nose or using a mask. While surgery is reserved for the most severe cases of COPD, it can be beneficial for those who have not benefited from the other treatment options.
Aside from medications, you will also need to have annual vaccines for pneumonia and influenza that can worsen symptoms in COPD patients.
There are several reasons why you might have COPD – the most common being from smoking cigarettes, cigars, or a pipe. Tobacco usage accounts for around 80% of all COPD diagnoses. It's also possible to get COPD from environmental reasons like air pollution, chemical fumes. You may even have COPD or emphysema as a result of a hereditary disease known as Alpha 1-Antitrypsin (A1AT). The good news is that no matter the cause of the COPD you do have options of getting approved for life insurance with COPD. I'll also give some examples of pricing so that you have an idea of what you might be able to expect – however for a customized quote click here to contact us.

Life Insurance with Mild, Moderate, or Severe COPD

The first step in determining if you can get approved for a term life insurance policy with COPD is to identify the severity of your COPD. One Pulmonary functions test that is helpful is FEV1%. If you know your FEV1% (Forced Expiratory Volume in 1 Second) it makes it easier to determine if your COPD is mild, moderate or severe. Average FEV1% in healthy people are anywhere between 80-120%. Call your primary physician to schedule an appointment to measure your FEV1%.
If your FEV1 is between 60-80%, then your COPD would be classified as mild. If we apply with the right life insurance company, we can help you get a table 2 rating for mild COPD. I'll give some examples of pricing further down in this blog post.
With an FEV1 of 50-59%, COPD would be considered moderate and with the right life insurance company, we can help you get a table 4 rating for life insurance with moderate COPD.
If your FEV1 is 40-49%, then you can expect a higher table rating around table 6-8 as this would be considered severe COPD.
If your percentage of FEV1 is lower than 40%, your options will most likely be a graded death benefits policy, which typically have 2-3 years that you have to outlive before the full death benefit is in effect. Contact Us to get more information.
If you don't know your FEV1%, then you might want to check with your doctor. We will also want to know the following:

  • Smoking History and Current Tobacco Use
  • Height/Weight and any Recent Weight Loss
  • Severity of Symptoms
  • Speed of Disease Progression
  • Any other Health Conditions – such as Coronary Artery Disease?
  • Past Hospitalization?
  • Level of Activity

Life Insurance and COPD: Your Options

Even with COPD, you'll still have plenty of life insurance policy options to choose from. You will be able to choose from guaranteed issue life insurance, graded death benefits life insurance, or a traditional term life insurance policy. Each type of policy has its own set of advantages and disadvantages based on your circumstances.
Traditional term life insurance will typically offer the lowest monthly premiums, but being diagnosed with COPD can cause those rates to go through the roof depending on the severity of the condition. Graded death benefit insurance policies offer excellent coverage at affordable rates, but the life insurance policy does not take effect until two to three years after purchasing the policy. Meaning if you were to die within the first couple of years, the insurance company would not pay the face value of the policy. Guaranteed issue life insurance policies are exactly what they sound like. These policies will give you cover with no medical exam or health questions asks. These policies are excellent options for anyone is poor health that would be turned down for life insurance otherwise, but the policies have higher monthly premiums.

Examples of Life Insurance Rates for COPD

In this example I'll use a 50-year-old male applying for $250,000 of 20 Year Term Life Insurance. I'll quote pricing for Mild, Moderate, and Severe COPD:
$250,000 20 year term for a 50-year-old with Mild COPD – $104.99 Monthly
$250,000 20 year term for a 50-year-old with Moderate COPD – $138.06 Monthly
$250,000 20 year term for a 50-year-old with Severe COPD – $171.14 Monthly
If you would like to speak with us to help you get life insurance with COPD, fill out our contact us form here.
If you have COPD, you can still get an adequate and affordable life insurance policy. The financial security of a life insurance policy is something that no family should have to go without. Do not wait any longer to provide that security to your and your family.