Having any type of adverse health condition can often make it more difficult to obtain approval for life insurance coverage. One reason for this is because the insurance company does not want to initially take on the risk that it may soon have to pay out a costly claim.
For those who suffer from gastritis, it is likely that you have been turned down for life insurance in the past. The good news is that it is possible that you can qualify for coverage – you just need to know where to look.
Gastritis involves having swelling or inflammation of one’s stomach lining. This may be caused due to a number of different factors such as pain medications or alcohol, as well as complications from a surgical procedure. There are also autoimmune conditions that may cause this disease.
When one has gastritis, they will typically have symptoms such as a burning, aching, or sharp pain in the stomach, as well as feelings such as bloating, upset stomach, nausea, and / or indigestion. In some cases, the condition may also cause vomiting. The pain typically centers in the upper left portion of the person’s abdomen.
What the Life Insurance Underwriters Will Want to Know
When applying for life insurance coverage, the underwriters will want to know more details regarding your condition. With this in mind, some of the questions that you will be asked will typically include:
- When were you initially diagnosed with gastritis? If it is detected early enough, gastritis can be managed, or even prevented. If it is not managed, however, this condition can get progressively worse and can lead to some very serious complications. If an individual ends up with chronic gastritis, he or she may qualify for a Mild Substandard rating on their life insurance policy, provided that they do not possess any serious complications of the condition.
- Within the past 6 months, have you experienced any symptoms of gastritis? If, over the past 6 months, you have experienced symptoms such as severe pain, bloating, diarrhea, or indigestion, it could be a sign of an active inflammation. This could require additional evaluation before a decision may be made regarding your life insurance policy.
- Within the past 12 months, have you had any relevant diagnostic testing performed? Over the past 12 months, if you have had any relevant diagnostic testing performed, the results may be reviewed by the life insurance underwriters in order to obtain a more clear view about your overall health condition. Such lab tests may include blood exams and endoscopies.
- Do you visit your gastroenterologist regularly for check-ups? If you visit your gastroenterologist on a regular basis, this is a good sign that you are attempting to manage and control your condition. Barring any complications of your condition, this could help you to obtain a Standard policy rating.
- In addition to your gastritis, do you have any other health conditions? In addition to your gastritis, other health conditions can have an effect on the approval, as well as on the premium and rating of your life insurance policy. Also, certain lifestyle practices and food intake may have an effect. For example, if you lead a high stress lifestyle, it could negatively affect your gastritis, leading to complications of the conditions. Likewise, consuming high amounts of alcohol and / or coffee could also affect your condition negatively – which, in turn, can affect the rating that you receive on your life insurance policy.
- Is there a history of gastric cancer in your family? Having a history of gastric cancer will also play a role in how the life insurance underwriters view your application. Here again, though, barring any other complications, if you have no family history of the disease, it is probable that you could qualify for a Standard policy rating and premium.
In addition to these condition-related questions, the underwriters will also likely require that you submit a blood and urine sample. These will be reviewed for certain types of health conditions that may pose additional risk to the insurance company.
Likewise, basic factors such as age, gender, height and weight, smoking status, occupation, and whether or not you engage in hobbies that are considered to be risky or dangerous will also be considered.
How to Improve the Chance of Life Insurance Approval with Gastritis
Prior to purchasing life insurance coverage, it is always a good idea to compare more than one life insurance policy and premium quote – as these can differ a great deal from one insurer to another. In doing so, we can help. We work with many of the best life insurance companies in the country – and we can help you to find the policy that works best for you and your coverage needs.
In order to get the process started, just use the form on this page. Should you have any additional questions, please feel free to contact us, toll-free, at 888-229-7522 and we will be happy to address the questions and concerns that you may have to get you and your family the protection you desire.