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 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 flexible with health conditions such as Cerebral Thrombosis.
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.
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 that pertains to demographic and socioeconomic information.
They’ll also need more in-depth knowledge of your current health situation. 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 it 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 a 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 another 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.
This is just a part of what will be your medical exam, that is required for most of the life insurance policies that people buy. The paramed that will come to meet you will also need to take vital measurements and get blood and urine samples.
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.
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.
Since we are able to quote more than fifteen different life insurance companies, we offer the best chance for you to get the lowest premium around.
Give us a call at 888-229-7522 for immediate help, we won’t take much of your time, or you can fill out the form on the left and we’ll start working for as soon as we get it.