For those who have any type of unfavorable health state, obtaining life insurance approval can be tough and challenging at times. In some cases, individuals are turned down altogether for coverage, meaning that their loved ones must go without the financial protection that life insurance can provide.
If you have Hirschsprung’s Disease, it is possible that you have been denied for life insurance coverage in the past. The great news is, however, that there is hope of obtaining the policy that you want – you just have to know where to look.
Hirschsprung’s Disease is a health condition that has to do with a dysfunction of muscle movement in the large intestine. This is due to the absence of nerves that are responsible for peristalsis.
When there is no movement in the large intestine, an individual’s stool is not able to pass through to their colon. In turn, this creates a blockage. Because of this, not only is the individual’s intestine affected, but also possibly his or her stomach and / or esophagus.
Oftentimes, this condition can be detected at a person’s birth, as they may not have the ability to produce stool immediately. Alternatively, the symptoms may occur when an individual is still in young childhood. The most common symptoms that are present with this condition can include constipation, a bloated abdomen, and fecal impaction. Malnutrition can also be a common symptom.
Applying for Life Insurance with Hirschsprung’s Disease
If you are trying to get life insurance with Hirschsprung’s Disease, the insurance underwriters probably will be needing some more in-depth information concerning your situation. This is because these people want to ensure that they are not taking on too much of a risk for the insurance company by accepting your application for coverage.
A few of the common questions that you might be asked about your condition can involve the following:
- What is the date of the original diagnosis of your condition? Although many people are diagnosed with Hirschsprung’s Disease at a young age, the condition is not life threatening. Therefore, provided that the condition is managed well early on, the chances are high that an applicant for life insurance coverage could be able to obtain a Standard policy rating.
- During the past six months, have you encountered any side effects due to your condition? If you have felt any symptoms of your condition over the past 6 months, it could signal that the condition is progressing. Some of the most traditional symptoms that you may experience include constipation, impacted stool, and / or bloating of the abdomen. In these instances, you may be required to take an additional radiology exam before the underwriters can determine whether to place your life insurance policy in the Standard of the Substandard rating category.
- Do you go to regularly scheduled visits with your gastroenterologist? If you have regularly scheduled visits with your gastroenterologist, it is a good indication that you are working with medical professionals to try and manage your condition. This is a positive signal to the underwriters.
- During the past twelve months, have you gone through any type of diagnostic laboratory testing? If, within the past 12 months, you have had any sort of relevant laboratory testing performed, the underwriters may want to analyze these results before determining the category for your life insurance policy. This is because these tests will be able to give the underwriters a much more clear picture of your health status.
- Have you gone through any sort of abdominal surgery performed in the past? The underwriters will be wanting to know if you have gone through any type of abdominal surgery performed in the past – and if so, what type.
In expanding on the condition related questions that underwriters will have, they will likewise review additional criteria before coming to a resolution about your petition for life insurance coverage. These factors will include how old you are, if you are male or female, how tall you are, how much you weigh, if you smoke or not, if you drink alcohol or not, marital status, job status and income, and whether or not you engage in any hazardous sports (such as rock climbing or sky diving).
In most traditionally underwritten life insurance policies, claimants will also be expected to offer a urine and blood sample. These samples are studied for particular health conditions that might pose further risk to the life insurance firm.
When all of this data about you and your health has been received and reviewed, the underwriters will then reach a final determination about your policy, as well as about the appropriate premium to charge for your policy.
How to Help Get with Life Insurance Approval
When seeking life insurance approval with Hirschsprung’s Disease, it is typically a good idea to associate the plans and the premium quotes of several insurance companies before purchasing coverage to see which one is best for you. This is because the plans and the prices can differ greatly between one insurer and another
At Insure Now 365, we can assist. By working with the best life insurance firms in the country and having active communication with them, we can support you in attaining the right policy for you. To get the process begun, just use our form on this page. If you have any supplementary inquiries concerning life insurance or comparing premium quotes, please contact us direct, toll-free, at 888-229-7522.