For anyone who has a health condition – regardless of what type – applying for and getting approved for life insurance coverage can be a difficult process. Depending on the severity of your situation, the insurance company wants to be sure that they aren’t taking on too much of a risk in terms of having to pay out a claim if they approve your application for coverage. This is because oftentimes, even seemingly insignificant health conditions can have an effect on life expectancy.
If you’ve had an intestinal bypass and you’ve been turned down for life insurance in the past, however, there is good news. You may still be able to qualify for coverage – you just need to know where to look. We work with a number of insurers that specialize in taking on “higher risk” cases, and we can help you to find a policy that works best for your specific needs. In doing so, you will need to be prepared for what the underwriters will want to know about your health.
Preparing for Your Life Insurance Application
When preparing to obtain life insurance approval if you had an intestinal bypass, it is first important to know what type of information the insurance company’s underwriters will be looking for about your condition. Some of the specific questions that you are likely to be asked will typically include the following:
- When did you have your intestinal bypass? Having an intestinal bypass procedure is usually the choice of the patient as versus being a surgery that is necessary for a life threatening condition. If it has been at least five years or more since you have had your procedure, and you have had no serious health complications such as kidney or liver issues, then you could qualify for a rating on your life insurance policy of Mild Substandard.
- Over the past 6 months, have you had any type of intestinal flu-like symptoms? Having intestinal flu-like symptoms such as diarrhea or fatty stools could be a sign of a progressing complication. If you have experienced these types of symptoms, it is important to get these checked by your doctor (if you have not done so already). These symptoms may push your life insurance policy rating into the Medium Substandard rating category.
- Do you have regularly scheduled check-ups with your Gastrointestinal doctor? Having regular check-ups with a specialist in the area of gastrointestinal issues is a sign to the life insurance underwriters that you are working to keep your condition under control. This professional will also be able to provide you with advice on how to prevent further complications going forward.
- Over the past 12 months, have you had any type of relevant diagnostic testing performed? Having any relevant laboratory tests performed will also show that you are working to control your condition, as well as confirm compliance with your doctor’s plan of condition management. The life insurance underwriters may also be able to order copies of these lab tests in order to obtain even more information that will help them make a clearer decision regarding your overall health decision.
In addition to these specific condition-related questions, the life insurance underwriters will also review information regarding your age, gender, height and weight, smoking and tobacco usage, marital status, occupation and income, hobbies, and overall health history when making a determination regarding your application for coverage.
It is likely that you will also be required to take a medical examination as a part of the underwriting process. This will encompass meeting with a paramedical professional who will take your blood pressure, discuss your overall health history, and take a blood and urine sample. All of this information will also be used in making a determination about whether or not the insurance company will offer you coverage, and if so, how much in premium to charge.
How Much Will Your Policy Cost?
Should your application be approved, and you are placed into a Standard policy rating, it means that your premium will be in line with what other “average” policy holders in your same age and class are paying for comparable life insurance coverage.
If, however, the underwriters feel that you present a higher than average risk to the insurer, your policy may be placed into a Substandard category. If this is the case, you will be charged a higher amount of premium for your policy in order for the insurer to compensate for the higher amount of risk that it is taking on.
How to Get Life Insurance Approval If You Had an Intestinal Bypass
In order to help in improving your chances for life insurance coverage approval if you had an intestinal bypass, let us help. We work with many of the top rated life insurance carriers in the marketplace today, and we are familiar with which ones work with cases that are considered to be higher risk. By applying with these carriers first, you will be able to save countless hours of time and frustration in the life insurance application process.
In addition, we can help you in comparing life insurance policy benefits and quotes – and we can do so from the convenience of your home computer, without ever having to meet in person with a life insurance agent. In order to begin the process, simply use the form on this page.
If you happen to have any additional questions regarding how to obtain life insurance approval if you had an intestinal bypass, how to compare quotes from the best life insurers, or even about life insurance coverage in general, we are here to help. Please feel free to contact us directly, toll-free, at 888-229-7522 and we will get your questions or concerns answered as quickly as possible so that you can be on your way to getting the life insurance protection that you and your family need in order to have the peace of mind that you deserve.