If you are seeking life insurance, then you know that it will be necessary to provide health information to the insurance carrier. For those who are in good health, this is typically not an issue.
But for those who have certain types of adverse health conditions such as Cerebral thrombosis or even someone looking for life insurance with diabetes, it can sometimes be a challenge to qualify for the life insurance coverage that they need. This is why it is always a good strategy when faced with this issue to work with a high-risk life insurance specialist.
That way, you will have a much better chance of keying in on a life insurance carrier that is more apt to work with those who have certain types of health issues such as Cerebral Thrombosis . Doing so can also help to save you a great deal of time throughout the insurance application process.
How Cerebral Thrombosis Can Have an Effect on Your Life Insurance Application
Cerebral thrombosis is known as cerebral venous sinus thrombosis, or CVST. When someone is afflicted with this condition, it means that they have an acute thrombosis, or blood clot, that is located in the dural venous sinuses that drains blood from the brain.
Some of the more common symptoms of having this condition will include headaches and abnormal vision, as well as many of the symptoms that one would have if he or she were having a stroke, such as facial weakness, and / or weakness in the limbs on one side of the body. Another common symptom also includes having seizures.
This condition can affect both children and adults. However, the risk factors for contracting CVST can differ, depending on the age in which a person contracts it. For example, in children, some of the more common risk factors can include heart disease, iron deficiency, issues in the way that their blood forms clots, various types of infections, and having certain types of head injuries.
For adults, common risk factors can be problems with blood clotting, certain types of cancer, low blood pressure in the brain, issues with pregnancy in women, inflammatory bowel disease such as Crohn’s disease or ulcerative colitis, or even being obese.
If Cerebral thrombosis is not properly treated or controlled, it can lead to even more serious health conditions such as pressure on the person’s nerves, brain injury, increased fluid on the skull, or even death. Therefore, it is important to work with a medical professional if diagnosed. Depending on the severity of your Cerebral thrombosis, it can have an effect on your life insurance application, as well as the amount of the premium that you pay for the coverage. With that in mind, the life insurance underwriters will need to know as much as possible regarding your health during the application process.
What the Insurance Company Will Want to Know About Your Condition
When applying for life insurance coverage, it will be required to fully complete an application for coverage. This will typically ask for information such as your:
- Date of Birth
- Contact Details
- Height and Weight
- Type and Amount of Coverage Requested
- Occupation and Income
- Marital Status
- Health History
- Family Health History
- Smoking Status / Tobacco Usage
- Hobbies / Habits
- Foreign Travel
- Other Life Insurance In-Force (and the amount of coverage)
In addition, the life insurance company will also need to know more in-depth information about your Cerebral thrombosis condition. Because of that, you will typically be asked to answer either some or all of the following condition-related questions:
- When were you initially diagnosed with your Cerebral thrombosis? If you have only had one single episode with Cerebral thrombosis – and that was treated more than one year ago and has remained stable ever since – then it is possible that your application procedure may move forward. However, if you have had recurring episodes of CVST, then is may be that your application could get denied for coverage.
- Do you manage or control your Cerebral Thrombosis with any type of medication? If so, what is / are the dosage(s)? When an individual is diagnosed with Cerebral Thrombosis, anticoagulants can be an important type of medication to take in order to keep the condition stable. The underwriters will need to know if you are taking any medication and if so, what the dosage is.
- Have you experienced any symptoms of your Cerebral Thrombosis within the past 6 to 12 months? If you have experienced any symptoms such as headache, vision issues, and / or weakness on one side of your body, these could be indications of more serious issues of your health condition. Because of this, you may not be able to qualify for a regular, medically underwritten life insurance policy. You could, however, still be eligible to qualify for a no medical exam life insurance plan.
- Do you visit your doctor and / or medical specialist regularly for check-ups? Meeting with your doctor or other medical professional on a regular basis is an important part of managing and / or controlling your health condition. This will help the insurance underwriters to see that you are working to keep your health in check.
- Have you had any recent events that could result in additional risk to your current health? Certain factors could incur additional risk to your health, such as a head injury, an ear, nose, or throat infection, or even pregnancy.
- Have you had any type of relevant lab testing performed within the past year? If you have had any type of relevant lab testing performed within the past year such as a CT Scan and / or an MRI, the insurance underwriters may wish to review the results of these tests in order to get a better idea of your overall health.
In addition to the health questions that the underwriters will ask, you will also be required to undergo a medical examination. Here, you will meet with a paramedical professional who will ask you to submit a blood and urine sample.
The underwriters may also request permission to obtain your medical records from either your primary care physician, any specialist that you see for your Cerebral thrombosis condition – or both.
How Much Will Your Life Insurance Policy Cost If You Have Cerebral Thrombosis?
There are numerous factors that go into the premium price of a life insurance policy. These typically include the type and the amount of coverage that a person is purchasing, as well as their age and gender.
The overall determination of your health – including the underwriters’ consensus of your Cerebral thrombosis condition – will play a key role in your premium cost. In most cases, even if you are otherwise in good health, your policy may be issued as a Mild or a Medium Substandard.
In the case that your application is denied, there are still alternative options. For example, going the route of a no medical exam policy means that you will not need to undergo a medical examination as a part of the underwriting process. In this case, many people who have various types of health conditions are therefore able to qualify for the life insurance coverage that they need. And, while the premium is often higher than that of a regular, medically underwritten policy, these plans can offer a way to get the financial protection that your loved ones need in case of the unexpected. Working with a high-risk life insurance specialist can provide you with such options.
Where to Find the Best Life Insurance Premium Quotes with Cerebral Thrombosis
When you are looking for the best life insurance premium quotes – especially when you have a health condition such as Cerebral Thrombosis – it is typically the best course of action to work with a company or an agency that has access to more than just one insurance carrier. We can help you to do so.
We work with many of the top life insurance companies in the marketplace – and we can assist you with obtaining all of the important information that you will need. In order to get started, all you have to do is just simply fill out the form on this page to get a quote started.
Should you find that you still have any additional questions regarding qualifying for life insurance with Cerebral Thrombosis, or even if you just have a question or a concern about life insurance in general, then please feel free to call us directly. You can do so, toll-free, by dialing 888-229-7522.
We know that applying for life insurance coverage may appear to be a challenge – especially if you have been turned down for coverage in the past. But the good news is that today, you have many additional options on your side. We can work with you in locating the right coverage, with the right carrier, at the best price. So, contact us today – we’re here to help.