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.
Having Berger’s Disease will probably mean that your premium will be higher than most. But that doesn’t mean you should stop your search for affordable coverage. There are plenty of new options and policy types that could fit your situation perfectly. Let us show you how!
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
Due to your Berger’s Disease, the insurance company will want to know more about this particular issue. Therefore, look at some examples of questions that you might be asked:
- 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.
- What, if any diagnostic testing has been performed recently? You may be asked to share the results with the underwriter..
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.
Where to Find the Best Premium Quotes on Life Insurance Coverage
All you need to do is forget captive agencies and work with an independent insurance agency. They are trained to work for you and not an individual life insurance carrier. The agents specialize in giving you multiple quotes to compare, and can speed up the process of finding the best company for you to apply with.
The awesome news is that we’re an independent agency! Just use our form on the left to get started, or to jump right in, give us a call at 888-229-7522 and one of our advisors will be available to help!