When applying for life insurance, there are many different factors that go into the underwriters’ decision about the applicant. Certainly, one of the most important of these is his or her health. For those who have any type of adverse health condition, being approved for coverage can at times be difficult. This is because in many instances, health issues can lead to decreased life expectancy – a direct result of potentially increased claims, and risk, to an insurer.
For those who have been diagnosed with chorea, obtaining life insurance coverage could be difficult – and it may be likely that you have been turned down in the past. Chorea is a condition that is characterized by involuntary movements in the feet and hands and typically flow from one muscle to another. This disease can occur as a result of other medical conditions, such as Sydenham’s Chorea or Huntington’s disease. There are also other ailments and situations that may cause an individual to develop this condition such as the use of anti-convulsant and anti-psychotic drugs, and having rheumatic fever as a child.
In certain situations, Chorea can be successfully managed and controlled, while in others, the condition can be much more serious, and well as irreversible – and even fatal. Therefore, when applying for life insurance coverage, it is essential that the company’s underwriters know much more in depth information about an applicant’s condition in order to determine just how much risk the insurer may be taking on.
What the Life Insurance Company’s Underwriters Want to Know When You Have Chorea
In obtaining life insurance approval with chorea, the underwriters will typically ask a number of condition related questions in order to determine just how serious your condition is (or isn’t), as well as to see how – and how well – you are controlling your symptoms. Some of the information that the underwriters may want to know includes the following:
- When were you initially diagnosed with chorea? One of the most important questions that you will likely be asked is when were you initially diagnosed with chorea. This is because, if you were diagnosed as a child, it is more likely that your condition is being controlled and managed better over time. In this case, it is possible that you could qualify for a mild substandard policy rating.
- In the last 6 months, have you experienced any symptoms due to your condition? It is also important for the underwriters to know if you have experienced any condition related symptoms within the past 6 months. For instance, symptoms such as moderate or severe twisting or writhing movements in various areas of the body could be flare signs of the condition – and they could also be warning signs of more serious complications to come. This being the case, the policy could be declined. However, in this situation, there is still the opportunity to apply for life insurance through a guaranteed issue plan.
- What, if any, medications are you currently taking for your condition? If you are taking any prescription medication for your Chorea, the underwriters will need to know what it is, as well as the dosages. Doing so can be a positive sign, however, in that you are working to control and monitor your condition. Oftentimes, certain types of medication can help in controlling the involuntary movements that come with Chorea. If the medication is working well, you may be able to qualify for a mild substandard policy rating.
- Do you schedule regular check-ups with your doctor? If you have regular doctor visits, this could also be a positive sign in the eyes of the underwriters in that you are working to monitor and control your condition, as well as to possibly prevent it from getting worse in the future.
- Do you have the initial signs of any behavioral and or mental symptoms? If you have any symptoms of muscle spasticity and rigidity, and / or mental and behavioral disturbances, this could mean that you have a serious and progressing Huntington’s disease condition – which will likely lead to a decline of the application for life insurance coverage.
- Over the past 12 months, have you had any relevant diagnostic testing performed? If you have had any type of relevant diagnostic testing performed over the past year such as an MRI and or a CT-scan, then it will be necessary to show the results of these tests to the life insurance underwriters. These tests can help to show the progression of any type of disability – and can help the underwriters in obtaining a much clearer picture of your overall health condition.
In addition to the condition related information that is required by the underwriters, you will also need to take a medical exam as a part of the life insurance application process. This will typically entail meeting with a paramedical professional who will take a heart monitor and blood pressure reading, as well as a blood and urine sample. These samples will be analyzed for certain types of health conditions that may pose a risk of claim to the insurance company.
Also, the information that you provided on your life insurance application for coverage will be reviewed. This data includes your age, gender, height and weight, smoking status, tobacco usage, alcohol usage, marital status, occupation and income, foreign travel frequency, and details regarding whether or not you participate in any hobbies that are considered to be dangerous such as rock climbing and / or sky diving.
Once all of the information has been submitted, it can be reviewed more thoroughly by the underwriters and a decision can then be made regarding your policy, as well as an appropriate premium quote.
If you are able to qualify as a standard rating, this means that your premium will be in line with those who are considered to be of “average” health, height, and weight. However, it is more likely that you will be placed into a substandard class, like smokers and people with MS, where the premium that you are required to pay will be higher than the average due to your health condition.
How to Help Improve Your Chances of Life Insurance Approval
In order to help in improving your chances of life insurance approval with chorea, it is typically best to apply through a company that has access to numerous insurance companies. When doing so, we can help. We work with many of the top rated life insurers in the market place today, and we know which ones have a focus on applicants that are considered to be higher risk. This can help to move you through the application process faster. When you are ready to begin the process, you can start now by using the form on this page.
If you should have any questions throughout the process regarding how to best go about applying for life insurance coverage with chorea, how to compare life insurance premium quotes, or even about life insurance in general, please feel free to contact us directly. Our experts can help to ensure that all of your questions or concerns are answered as you go through this important process. We can be reached, toll-free, by calling 888-229-7522. Contact us today. We’re here to help.