So many factors go into how much the policy will cost, as well as whether or not an individual will even qualify for the coverage.
Certainly, the kind of policy bought and the face value amount is a key criterion in the mix. However, another primary factor is the applicant’s health status.
For example, if you have a health condition such as Thromboangitis Obliterans – also known as Buerger Disease – then you may have had trouble with qualifying for life insurance coverage in the past.
This is especially the case if you align yourself with a high-risk life insurance specialist when you are shopping for your coverage.
Doing so can help you to find the right carrier for you – and it can also help in saving you countless hours of time and frustration throughout the application process.
How Thromboangitis Obliterans Can Affect Your Application for Life Insurance
Thromboangitis Obliterans – Buerger Disease – is defined as being the inflammatory thrombosis of the small and the medium-sized arteries – as well as some of the superficial veins – that can cause arterial ischemia in the distal extremities and superficial thrombophlebitis.
Although the primary cause for this condition is not currently known, the main cause is the use of tobacco. When someone has Thromboangitis Obliterans, some of the primary symptoms of the disease may include pain, the non-healing of ulcers in the feet, claudication, and even gangrene. Males between the age of 20 and 40 are typically affected by this condition – and it, in fact, rarely affects females.
Although Thromboangitis Obliterans is not considered to be immediately fatal to an individual, someone who is affected by it may require amputation of a limb – especially if they continue to smoke after their diagnosis. At this time, the only known way to slow the progression of this condition is to stop using all types of tobacco products.
Because of the effects of this condition, it can have an impact when an individual is applying for life insurance coverage. This means the underwriter will ask more detailed questions about your condition before making a decision on your coverage.
Depending on the severity of the condition – as well as how, and how well the condition is being managed and/or controlled – the underwriters can then come up with a potential policy rating, as well as an appropriate amount of premium for the coverage.
What the Life Insurance Underwriters Will Need To Know
Because of having Thromboangitis Obliterans, the life insurance underwriters will also want to obtain additional information regarding your condition specifically.
- Date of diagnosis of Thromboangitis Obliterans? Because Thromboangitis Obliterans is not a reversible condition, the longer a person has been afflicted with it, the more probable it can be to develop complications.
- Are there medications that you are prescribed? While taking medication can help in managing and / or controlling your condition, doing so can also put additional strain on your kidneys – which may, in turn, harm your chances of getting a good life insurance policy rating.
- Have you had any symptoms of Thromboangitis Obliterans within the past six months? Showing signs of Thromboangitis Obliterans – especially within the past six months – may require the life insurance underwriters to hold off on making a decision about your policy. Some of the more common symptoms can include blood in the urine, protein in the urine, and / or difficulty in urinating.
- Do you have any habits that could put your kidneys at additional risk of damage? There are certain habits that could put your kidneys at additional risk of damage – which could, in turn, result in a lower life insurance policy rating or even a declination for coverage. Some of these habits may include the consumption of alcohol, smoking, and / or taking of certain drugs.
- Do you regularly visit your nephrologist for check-ups? Visiting with medical professionals regularly such as a nephrologist for check-ups can show the life insurance underwriters that you are serious about trying to manage and / or control your condition.
- Has a specialist ordered any labs or diagnostic testing recently?
How Much Will Your Life Insurance Policy Cost with Thromboangitis Obliterans?
There are some different criteria that will ultimately make up the total amount of premium that you pay for a life insurance policy. Mainly the type of plan you purchase and how big of a policy you buy. It can also include the age and the gender of the insured.
When you have a health issue such as Thromboangitis Obliterans, the premium cost of the insurance policy will also be dependent on having this condition. So, depending on the severity of your Thromboangitis Obliterans condition, in conjunction with your total health picture, it could be possible to obtain a mild substandard policy rating if your condition is being well managed and controlled.
To truly find the best life insurance carrier for your specific coverage needs, it will be best to work with a specialist in the high-risk life insurance field. That way, you will be more apt to find the right carrier for your coverage requirements – even if you have been declined for life insurance in the past.
How and Where to Obtain the Very Best Life Insurance Premium Rates?
If you are currently seeking the best premium rates on life insurance with Thromboangitis Obliterans, then it is typically best to work with a company or agency that can lead you to a higher risk carrier. In doing so, we can help.
While finding life insurance in the past for someone with an adverse health issue may have been somewhat difficult, today there are many more choices available. This is especially the case if you know where to look and who to turn to.
We can walk you through the entire process – starting with what type and amount of coverage may work for your specific situation – and which carrier may be the best for you. Now, you have an ally on your side when it comes to providing the financial protection that you need for those you love. So, contact us today, 888-229-7522.