Applying for life insurance can entail going through an application process that involves answering health questions, as well as often also undergoing a medical examination. This is because the insurance underwriters will want to be sure that the person applying for coverage is in good enough health to qualify and that the insurance company won’t have to soon be paying out a claim.
For those who are in good health, this is typically not an issue. However, if you have certain health conditions such as Berger’s Disease, it could mean that your policy may cost more – depending on the severity of your condition. The good news is, though, that if you work with an independent agency that has access to numerous insurance carriers, you are much more apt to find an insurer that fits your coverage needs in terms of the benefits you require, as well as the premium that fits your budget. Even someone looking for life insurance for diabetics or life insurance with high cholesterol can be approved.
How Berger’s Disease Can Affect Your Life Insurance Application
IGA Nephropathy, also known as Berger’s Disease, is a type of kidney condition. When affected with this condition, an individual may have difficulty urinating, as well as have blood in their urine, and / or have too much protein in their urine.
Berger’s Disease can also affect an individual’s veins and arteries in the arms and legs. When a person has Berger’s Disease, their blood vessels can become inflamed, in turn, swelling and becoming blocked with blood clots – also known as thrombi.
If a person has had Berger’s Disease for a long enough period, it can often end up damaging, or even destroying, the tissues in their skin, leading to infection, or even to gangrene.
Initially, Berger’s Disease will show up in the hands and feet, and can eventually begin to affect larger areas of an individual’s legs and arms. Typically, those who have been diagnosed with this condition are smokers. Therefore, one of the best ways to help in preventing Burger’s Disease is to quit smoking or other use of tobacco. If Burger’s Disease is left untreated, it is possible that a person’s limb (or limbs) may require amputation.
Due to the way in which Berger’s Disease can affect the body, this condition can play a part in how – or even if – an individual is approved for life insurance coverage. Therefore, there are certain things that the life insurance underwriters will need to know about you if you have this particular health issue. The more detail that you can provide them, the better decision they can make regarding your coverage, as well as the premium rate to be charged.
What the Life Insurance Underwriters Will Want to Know
In order to apply for any type of life insurance coverage, it is typically required that an individual fully complete an application. This will ask for basic information and details, such as your:
- Contact Data
- Marital Status
- Occupation / Income
- Health and Health History
- Family Health History
- Smoking Status
- Foreign Travel
- Other Life Insurance In-Force
Due to your Berger’s Disease, the insurance company will also want to know more about this particular issue. Therefore, you will likely be asked to answer some or all of the following questions as well:
- When were you initially diagnosed with IGA Nephropathy / Berger’s Disease? This condition is non-reversible, however, it able to be managed if an individual does so through proper diet and medication. However, the longer that an individual has this condition, it can increase the possibility of developing complications.
- Do you take any medication for your Berger’s Disease? (And if so, what is / are the dosage? While taking medication can help in controlling your Berger’s Disease, it can also put your kidneys at risk of damage if it is not closely supervised by a medical professional. Therefore, it is important that any type of over the counter medication and / or supplements that are taken be done so only with a doctor’s supervision.
- Have you experienced any symptoms within the past six months? The underwriters will need to know if you have experienced any symptoms over the past several months. Some of the most common symptoms that may occur in those who have Berger’s Disease may include pyuria (difficulty in urinating), proteinuria (protein in the urine), and / or hematuria (blood in the urine).
- Do you participate in any activities that may put your kidneys at additional risk? Certain lifestyle activities and / or habits may put your kidneys at even more risk. Some of these can include drinking alcohol and / or smoking.
- Do you visit your nephrologist regularly? Having regular checkups with a medical specialist can help the underwriters in seeing that you are better managing and / or controlling your Berger’s Disease with the help of a professional.
- Have you had any type of relevant diagnostic testing performed within the past 12 months? If you have had any type of relevant lab tests performed within the past year such as an MRI of the kidneys and / or a CT scan, the insurance underwriters may wish to view these in order to obtain a clearer picture of your overall health.
In addition to the information that is obtained, the underwriters will likely require that you undergo a medical examination as a part of the overall application process. Generally, this will take approximately 30 minutes, and it will entail meeting with a paramedical professional who will ask you some additional health-related questions, and will obtain a blood and urine sample from you.
In some cases, it may be necessary for the underwriters to obtain your medical records from either your primary care physician, any specialist that you see for your Berger’s Disease – or both. In order for the underwriters to do so, however, they will need to first obtain your written permission.
How Much Will Your Life Insurance Policy Cost?
Depending on the severity of your Berger’s Disease, as well as how – and how well – your condition is being managed or controlled, the underwriters will be able to make a decision regarding your life insurance policy approval, as well as to determine the cost of your insurance coverage.
Typically, if you have a condition such as Berger’s Disease, you may not be able to obtain a Standard policy rating. However, if your condition is being well managed and controlled, then it may be possible to obtain a Mild Substandard rating. This means that, while the policy premium may be more than an average policyholder would be paying, it may not be substantially higher.
It will be important, however, to work with a company or an agency that has access to more than just one life insurance carrier. This is because, even with all of the very same factors in play such as type and amount of coverage, the premium amount that is charged from one insurance carrier to another can differ substantially.
If you are unable to qualify for a medically underwritten policy, there are still potential options for obtaining life insurance coverage. One such option is to apply for a no medical exam insurance policy. As its name implies, there is no medical exam required as a part of the underwriting process – and because of this, many applicants who have various health issues are able to qualify for this type of coverage. While the premium amount is typically more than that of a comparable medically underwritten plan, these policies do allow for obtaining the coverage that you may need to protect the ones you love.
Where to Find the Best Premium Quotes on Life Insurance Coverage
When you are ready to start looking for the best premium quotes on life insurance coverage, we can help. We work with many of the best insurance carriers in the marketplace today – and we can assist you with attaining all of the important details that you need for making an informed purchase decision. All you need to do in order to move forward is just simply fill out the easy form on this page to begin a quote.
Should you find that you still have questions regarding qualifying for life insurance with Berger’s Disease – or even if you just simply have a question or a concern regarding life insurance in general – our experts are happy to assist you. Please feel free to contact us directly, toll-free, by dialing 888-229-7522.
If you have a condition such as Berger’s Disease, you may feel that your options are limited for obtaining the life insurance coverage that you require. But the good news is that today, there are many more options that are available to you – the key is to work with a company that can assist you in finding just the right carrier. We can point you in the right direction. So, contact us today – we’re here to help.