Life insurance is a necessary financial tool. That’s because the proceeds from a life insurance policy can help to ensure that your loved ones will have funds that are needed for paying off large expenses, or for continuing to pay their ongoing monthly bills, even in the case of the unexpected.
Qualifying for traditional life insurance coverage will usually require that you complete an application for coverage, and also to take a medical examination where you will be asked to submit a blood and urine sample. Oftentimes, this is enough for the insurance company’s underwriters to grant approval for a policy.
But for others, getting approved for life insurance isn’t quite that simple. This is particularly the case if you have certain health issues like Nephritis. In this case, while you still may qualify, it can typically be best if you work through an insurance specialist that can compare the underwriting guidelines of several different life insurance carriers, and from there help you with ensuring the most competitive terms. This is where we can help.
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How Having Nephritis Can Affect Your Application for Life Insurance Coverage
Nephritis – also referred to as pyelonephritis – can occur when a person’s kidneys suddenly become inflamed. The kidneys perform an essential function in the body – waste removal. On average, the human kidneys will process approximately 200 quarts of blood each day, and will also remove roughly two quarts of waste material, as well as excess water.
Acute Nephritis has several causes, including infections, an allergic reaction to an antibiotic or other medication, toxins in the body, too little potassium in the blood, or an autoimmune disorder that can affect the major organs in the body such as the kidneys – and, if this issue is left untreated, it could ultimately lead to kidney failure.
There are a number of symptoms when a person has Nephritis. Symptoms can vary, depending on the type of Nephritis that you have. Some of the more common Nephritis symptoms can include the following:
- Pain or burning sensation when urinating
- Frequent need to urinate
- Pain in the pelvic area
- Urine that is cloudy
- Pus and / or blood in the urine
- Nausea and / or Vomiting
- High blood pressure
- Pain in the abdomen and / or the kidneys
- Overall muscle pain
- Swelling – usually in the legs, feet, and face
There are some methods that are used to manage or control the symptoms of Nephritis, such as medication, supplements, or even dialysis. Taking certain medications for too long, though, can also become damaging to the kidneys.
Because of the seriousness of Nephritis, if you are applying for life insurance, the underwriters at the insurance company will want to know as much as possible regarding your condition, as well as any other health issues that you may have.
What Will the Life Insurance Company’s Underwriters Want to Know?
If you apply for a traditional life insurance policy, you will be required to fully complete an application for coverage. In this application, you will be asked for more details about your:
- Age / Date of birth
- Height and weight
- Occupation and income
- Marital status
- Smoking status / tobacco usage
- Alcohol usage and frequency
- Medications taken
- Health history
- Family health history – such as a history of Diabetes
- Hobbies / Habits (i.e., activities that may be considered as risky by the insurance company
- Other life insurance coverage in force (as well as the total amount of the other coverage)
- Frequency of any foreign travel
Due to having Nephritis, the insurance company will also want to know more condition related details, such as:
- When were you initially diagnosed with Nephritis? If you were diagnosed several years ago, or if you were diagnosed but you have fully recovered, then this would be a positive sign to the insurance underwriters. In fact, the longer ago that you had your last Nephritis symptom, the better chance you may have for obtaining a traditional, medically underwritten life insurance policy. However, if you have a chronic case of Nephritis, it may be necessary that you take a renal function test to better determine your overall health.
- Do you know what caused your Nephritis? The cause of your Nephritis is important to the insurance company’s underwriters. This is because, if your condition was caused by a reaction to medication or if it was due to a bacterial infection, then it is possible that your Nephritis could be reversed. If, however, the cause was an autoimmune condition, then the underwriters will need to determine how much of a risk it would be to approve your application for coverage. In certain cases, it is possible to obtain coverage, but with a Substandard policy rating.
- How are you working to manage and / or control your Nephritis? Working to control your Nephritis can be a positive sign to the underwriters – especially if this includes meeting regularly with your doctor or other medical professionals. It can also be important that you are keeping up with the latest treatments that are available for those who have Nephritis.
- Have you had any type of condition related laboratory testing performed within the past year? If you have had any relevant lab testing performed over the past year, it is possible that the insurance underwriters will want to review the results of these tests in order to better determine your health condition.
- Do you have any other health conditions – particularly one(s) that could be a cause for triggering your Nephritis? If you have any other health conditions, and especially ones that could cause a triggering of your Nephritis attacks such as kidney stones, urinary tract infections, and / or lupus, then the underwriters will need more information. In this case, if you are approved for life insurance coverage, it will likely be with a Substandard policy rating. Maybe you are looking for life insurance with high cholesterol. Let our professionals help you in your search.
You will also likely be required to undergo a medical examination as a part of the life insurance underwriting process. During this exam, a paramedical professional will ask you some additional medical questions, as well as take a blood and a urine sample from you.
In addition, the insurance underwriters may also wish to review your medical records. These may be obtained either from your primary care physician, any specialist that you may see for your Nephritis condition – or from both.
How Much is the Premium for Life Insurance If You Have Nephritis?
There can be some key criteria that will determine how much you are charged for life insurance with Nephritis. This will include the type and the amount of the life insurance coverage that you are applying for, as well as your gender and your age. Also, because the approval for life insurance has a great deal to do with an applicant’s anticipated life expectancy, your overall health condition will also be taken into consideration – and particularly the way(s) in which you are dealing with your Nephritis.
If you qualify for a traditional, medically underwritten life insurance policy with Nephritis, you may be able to obtain a Standard policy rating, provided that you are otherwise in good health, and that you are successfully managing or controlling your condition. If this is the case, then your premium cost would be in line with other insureds who are in your same or similar gender and age category.
However, if you suffer from a chronic case of Nephritis and you have frequent and recurring symptoms such as back and abdominal pain, then it is more likely that you could still qualify for the coverage. But, your policy rating would be Substandard. In this case, your premium rate would be more than that of an average policyholder in your age and gender category – but how much more would be dependent upon the actual severity of your condition, as well as on your overall health.
The insurance carrier through which you purchase your coverage can also play a key role in the amount that you are charged for your premium. Just like with most other products or services that you purchase, the price of life insurance protection can vary – sometimes a great deal – from one insurance carrier to another. This is the case, even with the same amount and type of coverage.
With that in mind, it is important that you compare the costs of several different life insurance policies before you make your purchase. Doing this by working with an independent life insurance brokerage that has access to multiple insurance companies can help you to get the information that you need in a direct and unbiased manner. It can also save you a substantial amount of time as versus contacting each individual insurance company separately.
What to Do If You Don’t Qualify for Medically Underwritten Life Insurance
Because Nephritis can be a serious health condition – and in some cases, it can be fatal – there is a chance that you may not qualify for a traditional, medically underwritten life insurance policy. If this is the case, however, it does not mean that you have to go without life insurance coverage.
One method that you can move forward with is applying for a no medical exam life insurance policy. These policies, as their name infers, will not require an applicant to undergo a medical examination in order to obtain coverage approval.
Because of that, the chances are much greater for those who have certain health conditions to be approved. In some cases, depending on the type of no medical exam life insurance policy that you apply for, you may not even be required to answer any health related questions.
While these types of life insurance policies can be higher regarding premium – because the applicants are considered to be riskier – they can provide you with the coverage that you need in order to provide your loved ones with peace of mind.
Where to Find the Best Rates on Life Insurance with Nephritis
If you are seeking life insurance with Nephritis, it is typically best to work with an independent life insurance brokerage or agency that can provide you with access to multiple insurance companies and their policies.
As a specialist in the high-risk life insurance area, we can help you to find the insurance companies that may be more apt to work with an applicant who has Nephritis. We work with many of the top life insurance carriers in the industry, and we can assist you with the details that you need quickly and conveniently, right from your home computer. You will not be required to meet in person with a life insurance agent. So, if you are ready to proceed, just simply fill out the form on this page.
Should you find that you still have any additional questions regarding whether or not you will be able to obtain life insurance if you have Nephritis – or, even if you just have a question about life insurance in general – then please feel free to contact us directly. We can be reached via phone, toll-free, by dialing 888-229-7522. We can work with you in determining what type of life insurance coverage may be best for you and your specific situation. We may also be able to provide you with several insurance coverage alternatives, depending on your goals and needs.
We understand that the purchase of life insurance may seem a bit daunting – especially if you have a health issue such as Nephritis. But the good news is that many people who have this condition are still able to get life insurance. So, if you are looking for an ally who can get you to the right place quickly, then contact us today – we’re here to help.