When you think of fun ways to spend an evening, shopping for life insurance probably isn’t on the list. In fact, there would be hundreds of things before it.
Thankfully, it doesn’t have to be as tedious and painful as you might think. Actually, it could take you less than 10 minutes to pinpoint the perfect policy. Keep reading for some tips and secrets to get coverage without pulling your hair out.
How Osteomyelitis Can Change Your Coverage
Osteomyelitis is defined as a type of infection in the bone. The infection reaches the affected individual’s bone by traveling via the bloodstream, or by spreading from a nearby tissue in the body. Alternatively, an infection may also simply start in the bone itself if certain types of injuries happen to expose the bone to germs.
This condition can affect both children and adults. In children, it is more likely to affect the longer bones that are found in the upper arms and the legs, whereas with adults, it is more apt to develop in the bones that make up the spine. Also, those who have diabetes may develop this condition in their feet, provided that they have a foot ulcer.
In the past, Osteomyelitis was considered to be an incurable medical condition. Today, however, due to more advanced medical technology, it may be treated successfully via surgery to remove the affected portion (or portions) of the bone(s). It may also require that the individual take strong antibiotics due to the infection.
What the Insurance Companies Will Want To Know About You
Of course, you’re going to have to provide a lot of simple information. You can expect a lot of simple questions about your overall health, your family’s health, and your job.
Because of your Osteomyelitis, they will dig into your condition and how it has changed your health:
- What date did you get the diagnosis? Because Osteomyelitis is both treatable and preventable, when you were initially diagnosed is important because the condition will not typically become chronic unless either the patient did not seek treatment right away, or if there is another condition causing it such as diabetes.
- Do you have diabetes? If you also have diabetes, this will be an important factor for the life insurance underwriters in their overall decision on your policy. The type of diabetes (Type 1 or Type 2) will also be an important consideration in your policy’s price.
- What prescriptions (if any) are you taking for the Osteomyelitis?
- What symptoms have you experienced in the past 6 months?
- How often do you have doctor’s appointments?
- Have you had any surgical procedures performed recently? What type of procedure was done, as well as the results?
Aside from the questions they are going to hurl at you, they will also make you take a quick medical test. It’s nothing extensive, just a small blood and urine sampke, as well as getting your basic vitals. The whole process should take less than 30 mins.
What is Osteomyelitis Going to Cost?
Here is the bad news, Osteomyelitis could cost you more when you buy life insurance. Sadly, if you have health problems the company will offset the risk by bumpign up your premiums.
Now, for the good news – you won’t have to pay a fortune. Even with a condition like Osteomyelitis, you can get an affordable policy.
If you’re looking to get specific numbers on how much your coverage is going to cost, we can’t tell you without more information first. We will need to know your age, zip code, tobacco usage, and more. With this basic info, we can give you a rough idea of how much you’ll pay.
If you want to find out now, go ahead and use that little form over on the side of this page.
Getting the Best Plan for Applicants with Osteomyelitis
There are two ways you can buy life insurance, one of them is quick and easy and the other is going to take you MUCH longer. Let’s start with the long one first.
Okay, first you will need to decide how much life insurance you need, the kind you’re going to buy, and then you’re going to start shopping around. This means researching companies first, finding ones with good underwriting for Osteomyelitis, and then calling the agents to get quotes. Sounds time-consuming? That’s because it is.
The other way (and smarter one) is to make one call to an uncapitvated broker. Agents like ourselves are independent of any company. We have the pleasure and ability to shop between companies.
Unlike those other agents you’ve worked with in the past, we aren’t restricted to a handful of plans from one carrier. We can shop from more than 30 carriers and have access to hundreds of plans.
This lets YOU have access to those carriers. Just think about how long it would take you to receive these quotes if you did it yourself? You probably don’t have enough hours in a week.
If you’re ready – go ahead and start filling out the form. It won’t take long, we won’t ask for credit card info, and you’ll get insurance info with no obligation.