Normally, it is challenging to obtain life insurance approval when you have serious medical condition, because underwriters don’t want to place bigger risks on the insurance company’s books.
Those who have been diagnosed with muscular dystrophy may have been turned down for life insurance coverage in the past. It is, however, possible to obtain coverage if you have this condition – provided that you know where to look.
Muscular dystrophy is a type of skeletal muscle disease. It is characterized by having functional or structural changes in a person’s muscular system. Some of the more common symptoms that are experienced by those who have muscular dystrophy include a weakness in the legs and / or the arms, yet without necessarily losing reflexes or sensation. The weakness in the person’s muscles can be either ongoing or off-and-on.
Other symptoms can also include a loss of muscle, poor balance, a frequency of falling, a difficulty with walking, muscular spasms, a shuffling in gait, limitation in movement, and a deformation or a contracture in the joints. Those who are afflicted with this condition may also have curvature of the spine, and even droopy eyelids. This is because certain areas in and around the neck, face, and eyes can be affected by this disease.
Unfortunately, muscular dystrophy is a progressive and chronic condition – and, if the condition is not diagnosed and managed early on, it can lead to muscle cell and tissue death in the individual.
Applying for Life Insurance Coverage with Muscular Dystrophy
When applying for life insurance coverage with muscular dystrophy, there are many questions that the underwriters will have so that the carrier can better use their analytics to figure out if they’ll insure you or not. The following are some of the things they’ll ask you about:
- When were you initially diagnosed with muscular dystrophy? Although muscular dystrophy is an ongoing and progressive condition, if it is diagnosed early enough, its symptoms can be managed and its complications may be able to be at least somewhat controlled. The longer the condition persists, however, complications are more likely.
- If, over the past six months, you have had symptoms of your condition, it is likely that you will not qualify for a Standard rating on your life insurance coverage. You could, however, qualify for a Medium Substandard policy. Some of the common symptoms that you may have experienced include weakness in your muscles, muscle spasms, and / or limited movement.
- Are there any prescriptions that you’re currently taking? If there are it could be a sign that your condition is becoming more severe. Therefore, in this case, you may be assigned a Medium Substandard, or possibly even a Severe Substandard rating (depending on the situation) on your policy.
- Within the past 12 months, have you had any relevant laboratory testing performed? Any lab tests that have been performed within the last 12 months may be used in further evaluating your condition. Such tests may include muscle biopsies or CpK3 testing. Having these types of tests performed can bode well for you in the underwriter’s eyes, as it shows that you are working with your doctor to help manage your condition.
- Do you have any other medical condition (or conditions) in conjunction with muscular dystrophy? If you have certain other medical conditions such as scoliosis or respiratory diseases, these can signal more serious complications of your muscular dystrophy.
In addition to the condition-related questions that you will be asked, the life insurance underwriters will also be reviewing other relevant factors when reviewing your application for coverage, such as your:
- Marital Status
- Smoking Status
- Alcohol Usage
- Occupation and income (if applicable)
- Dangerous hobbies (if applicable)
The last thing you’ll have to complete before hearing back on the final decision is the medical exam. This short event will include some more questions and health history descriptions, height and weight, and gathering a blood and urine sample.
After all the reviews have been completed and the underwriter has done their analysis on how much risk you’ll bring to the company book, they will then issue you a final decision on if they’ll give you a policy and what class rating you’ll be classified in.
How to Increase the Chance of Obtaining Life Insurance Approval
In order to help with increasing the chances of obtaining life insurance approval with muscular dystrophy, it is always a good idea to first gather information on several policies, as well as premium quotes, before purchasing your coverage. When doing so, we can help you.
We work with top life insurance companies and specialize in helping people to obtain life insurance who have critical illnesses – and we can assist you in obtaining all of the information that you need – including premium quote comparisons – before you buy your life insurance policy. To get the process started, all you need to do is fill in the form on this page.