Having a health condition such as Dubin-Johnson Syndrome can make the life insurance qualification process a bit more challenging. However, working with a company or an agency that specializes in working with high-risk life insurance cases can help you in finding the right carrier, as well as in locating coverage that may be right for you. That is where we can assist you.
How Dubin-Johnson Syndrome Can Have an Effect on Your Life Insurance Application
Dubin-Johnson Syndrome is a rare genetic blood disorder. In fact, in order to get this condition, a child must inherit it from both of his or her parents. If an individual has Dubin-Johnson Syndrome, it means that their body has the inability to move a chemical known as bilirubin from their liver.
The chemical bilirubin is produced when an individual’s liver breaks down worn-out red blood cells. In a normal situation, this chemical should move through the bile that is produced by a person’s liver and then proceeds through the bile ducts. It would then proceed past the gallbladder and then eventually move into the digestive tract.
But, when the chemical is not processed in the proper manner, then it will instead build up in the bloodstream. This will, in turn, cause a person’s skin, as well as the whites of their eyes, to turn a yellow color, resulting in jaundice. If a very high level of the chemical bilirubin builds up, it can cause brain damage, as well as cause damage to other bodily organs as well.
Because of this, a person who is applying for life insurance coverage may have difficulty in qualifying for coverage – or, if they qualify, they may be accepted as a substandard policyholder, depending on the severity of their condition.
What the Life Insurance Underwriters Will Want To Know
In getting a better understanding of your condition, if you have Dubin-Johnson Syndrome, and you are applying for life insurance coverage, there is certain information that the life insurance underwriters will want to know:
- What was your date of diagnosis with Dubin-Johnson Syndrome? Because Dubin-Johnson Syndrome is considered to be a benign condition, many individuals who possess this health issue can still qualify for a Standard life insurance policy rating. However, the insurance underwriters will still need to rule out any other types of blood conditions. Underwriters could still ask you permission to look at your medical records.
- Do you have any other health conditions? The underwriters will also want to know if you have any other health conditions in addition to Dubin-Johnson Syndrome. This way, they will be able to get a clearer picture of your overall health history. They may also ask you for your family health history as well.
- Do you meet regularly for check-ups with your hematologist?
- Have you had any relevant lab and/or diagnostic testing performed over the past 12 months? Having any lab and/or diagnostic testing performed over the past 12 months can help the underwriters in determining your overall health condition, as well as an appropriate premium rate for a policy. Therefore, the underwriters may wish to have access to the results of such tests.
The medical exam usually only takes about 30 minutes. During the exam, the paramed will ask you some additional health-related questions. He or she will also obtain from you a blood and a urine sample.
Once your results, and information have been analyzed by the home office underwriters, they’ll then let you and the agent know what your premium will be and if your policy will be issued.
How Much Will Your Policy Cost If You Have Dubin-Johnson Syndrome
The price that is paid in premium for a life insurance policy is determined based on several different factors. These will include the type and the amount of insurance that you are obtaining. They will also include your gender, as well as your age at the time of policy purchase. Also, a key factor will be the severity of your Dubin-Johnson Syndrome.
Another primary criterion in premium price of your policy coverage – or even whether you are approved for a policy at all – will be the insurance carrier. What many people are not aware of is that, while all insurance carriers have certain criteria for approving their applicants for coverage, these criteria are not identical. Therefore, when a person applies for coverage at one insurer, they may not be accepted. When the same individual applies at another carrier, they may be readily approved. Likewise, different life insurance carriers may also have large variations in the price of their coverage – even for the very same type and amount of benefits.
With that in mind, it is important to work with an agency or a company that has access to numerous insurance carriers. This is because it can have a big difference is not only whether or not you are approved – but also in the price of your policy.
For those who have Dubin-Johnson Syndrome, provided that you are otherwise in good health, you may be able to qualify as a Standard policyholder – depending on the insurance carrier that you apply through.
Where to Find the Best Premium Quotes on Life Insurance with Dubin-Johnson Syndrome
Now that you’ve got some information about the process, if you are ready to apply for a plan – we will be glad to help. We have contracts with upwards of fifteen life insurance companies and our highly-trained agents will make sure you are applying for the perfect policy for your health situation and your budget.
If you want to see some quick quotes for yourself we’d suggest filling out the form on the left, but if you’re ready to dive headfirst into the process then give us a call at 888-229-7522!