When applying for life insurance, there are many different factors that can go into how much the policy will cost, as well as whether or not an individual will even quality for the coverage. Certainly, the type and the amount of insurance is a key criterion in the mix. However, another primary factor is the health condition of the applicant.
For example, if you have a condition such as Thromboangitis Obliterans – also known as Buerger Disease – then you may have had trouble with qualifying for life insurance coverage in the past. The good news is, though, that today you have many more options for life insurance that are available to you. This is true also for those suffering from other illnesses such as diabetes or dementia to name a few. There are also companies who offer life insurance for obese individuals.
This is especially the case if you align yourself with a high-risk life insurance specialist when you are shopping for your coverage. Doing so can help you to find the right carrier for you – and it can also help in saving you countless hours of time and frustration throughout the application process. That is where we can help.
How Thromboangitis Obliterans Can Affect Your Application for Life Insurance
Thromboangitis Obliterans – Buerger Disease – is defined as being the inflammatory thrombosis of the small and the medium-sized arteries – as well as some of the superficial veins – that can cause arterial ischemia in the distal extremities and superficial thrombophlebitis.
Although the primary cause for this condition is not currently known, the main cause is the use of tobacco. When someone has Thromboangitis Obliterans, some of the primary symptoms of the disease may include pain, the non-healing of ulcers in the feet, claudication, and even gangrene. Males between the age of 20 and 40 are typically affected by this condition – and it, in fact, rarely affects females.
Although Thromboangitis Obliterans is not considered to be immediately fatal to an individual, someone who is affected by it may require amputation of a limb – especially if they continue to smoke after their diagnosis. At this time, the only known way to slow the progression of this condition is to stop using all types of tobacco products.
Because of the effects of this condition, it can have an impact when an individual is applying for life insurance coverage. Therefore, the insurance underwriters will need to know as much as possible about the applicant’s condition before making a decision about their coverage.
Depending on the severity of the condition – as well as how, and how well the condition is being managed and / or controlled – the underwriters can then come up with a potential policy rating, as well as an appropriate amount of premium for the coverage.
What the Life Insurance Underwriters Will Need To Know
In applying for any type of life insurance coverage, an applicant will typically need to fully complete an application. This will ask for basic information about the individual, such as their:
- Height and Weight (weight as it relates to your height)
- Occupation and Income
- Marital Status
- Smoking Status / Tobacco Usage
- Alcohol Consumption and Frequency
- Health History
- Family Health History
- Foreign Travel Frequency
- Other Life Insurance Policies In-Force
Because of having Thromboangitis Obliterans, the life insurance underwriters will also want to obtain additional information regarding your condition specifically. Therefore, you will likely also be asked some or all of the following questions, too:
- When were you initially diagnosed with Thromboangitis Obliterans? Because Thromboangitis Obliterans is not a reversible condition, the longer a person has been afflicted with it, the more probable it can be to develop complications.
- Do you take any medication for your Thromboangitis Obliterans? If so, what medication(s), and what is the dosage(s)? While taking medication can help in managing and / or controlling your condition, doing so can also put additional strain on your kidneys – which may, in turn, harm your chances of getting a good life insurance policy rating.
- Have you had any symptoms of Thromboangitis Obliterans within the past six months? Showing signs of Thromboangitis Obliterans – especially within the past six months – may require the life insurance underwriters to hold off on making a decision about your policy. Some of the more common symptoms can include blood in the urine, protein in the urine, and / or difficulty in urinating.
- Do you have any habits that could put your kidneys at additional risk of damage? There are certain habits that could put your kidneys at additional risk of damage – which could, in turn, result in a lower life insurance policy rating or even a declination for coverage. Some of these habits may include the consumption of alcohol, smoking, and / or taking of certain drugs.
- Do you regularly visit your nephrologist for check-ups? Visiting with medical professionals regularly such as a nephrologist for check-ups can show the life insurance underwriters that you are serious about trying to manage and / or control your condition.
- Have you had any relevant lab or diagnostic testing performed within the past year? If you have had any relevant diagnostic lab testing performed such as an MRI and / or a CT scan of your kidneys within the past year, the life insurance underwriters may wish to review the results, as these may help them in making their coverage decision.
In addition to the application and other condition-specific questions about your health, it is also likely that you will be required to undergo a medical examination as a part of the overall insurance application process. During this exam, you will meet with a paramedical professional who will typically ask you some additional medical related questions, and who will also take a blood and a urine sample.
The life insurance underwriters may also want to review a copy of your medical records from your primary care physician and / or from any other medical specialist that you see. If so, it will require your written permission for them to do so.
How Much Will Your Life Insurance Policy Cost with Thromboangitis Obliterans?
After all of your information has been received by the insurance company, the underwriters will be able to obtain a clearer picture of your overall health – and from there, they will be able to make a coverage decision.
There are some different criteria that will ultimately make up the total amount of premium that you pay for a life insurance policy. These can include the type and the amount of coverage that you choose. It can also include the age and the gender of the insured.
When you have a health issue such as Thromboangitis Obliterans, the premium cost of the insurance policy will also be dependent on having this condition. So, depending on the severity of your Thromboangitis Obliterans condition, in conjunction with your total health picture, it could be possible to obtain a mild substandard policy rating if your condition is being well managed and controlled.
To truly find the best life insurance carrier for your specific coverage needs, it will be best to work with a specialist in the high-risk life insurance field. That way, you will be more apt to find the right carrier for your coverage requirements – even if you have been declined for life insurance in the past.
How and Where to Obtain the Very Best Life Insurance Premium Rates?
If you are currently seeking the best premium rates on life insurance with Thromboangitis Obliterans, then it is typically best to work with a company or agency that can lead you to a higher risk carrier. In doing so, we can help.
We work with many of the top life insurance companies in the marketplace today – and we can help you in obtaining all of the details that you need in making an informed life insurance purchasing decision. When you are ready to move forward, all you need to do is just simply completing the short form located on this page.
Should you determine that you still have any questions regarding qualifying for life insurance with Thromboangitis Obliterans – or even if you have a question about life insurance in general – please feel free to contact our experts via phone. We can be reached directly, toll-free, by dialing 888-229-7522.
While finding life insurance in the past for someone with an adverse health issue may have been somewhat difficult, today there are many more choices available. This is especially the case if you know where to look and who to turn to.
We can walk you through the entire process – starting with what type and amount of coverage may work for your specific situation – and which carrier may be the best for you. Now, you have an ally on your side when it comes to providing the financial protection that you need for those you love. So, contact us today – we’re here to help.