For those who have any type of adverse health condition, obtaining life insurance approval can be somewhat challenging. 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 good news is, however, that there is hope of obtaining the coverage that you need – 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
When applying for life insurance with Hirschsprung’s Disease, the insurance underwriters will want to know more in-depth details regarding your condition. This is because they want to ensure that they are not taking on too much of a risk for the insurance company by accepting your application for coverage.
Some of the common questions that you will be asked about your condition can include the following:
- When were you initially diagnosed with 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.
- Within the past 6 months, have you experienced any symptoms due to your condition? If you have experienced any symptoms of your condition over the past 6 months, it could signal that the condition is progressing. Some of the more common 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 have regularly scheduled visits with your gastroenterologist? If you have regularly scheduled visits with your gastroenterologist, it is a good sign that you are working with medical professionals to try and manage your condition. This is a positive signal to the underwriters.
- Over the past 12 months, have you had any type of diagnostic laboratory testing performed? If, within the past 12 months, you have had any type of relevant laboratory testing performed, the underwriters may wish to review 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 condition.
- Have you had any type of abdominal surgery performed in the past? The underwriters will also want to know if you have had any type of abdominal surgery performed in the past – and if so, what type.
In addition to the condition-related questions that the underwriters will have, they will also review additional criteria before making a determination about your application for life insurance coverage. These factors will include your age, gender, height and weight, smoking and tobacco usage, alcohol usage, marital status, occupation and income, and whether or not you participate in any dangerous hobbies (such as rock climbing or sky diving).
In most traditionally underwritten life insurance policies, applicants will also be required to submit a blood and urine sample. These samples are reviewed for certain health conditions that may pose additional risk to the life insurance company.
When all of the information about you and your health has been received and reviewed, the underwriters can then make a final determination about your coverage, 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 compare the policies and the premium quotes of several insurance companies before purchasing coverage. This is because the plans and the prices can differ greatly between one insurer and another
At Insure Now 365, we can help. We work with many of the best life insurance companies in the market today, and we can assist you in finding the right policy for you. To get started, just use the form on this page. If you have any additional questions regarding life insurance or comparing premium quotes, please contact us directly, toll-free, at 888-229-7522.