It is known that obtaining life insurance with health conditions is challenging. And it’s simply because the carriers do not want to insure someone with a high risk because the claim could be paid out too early.
With that in mind, finding just the right insurance carrier for your specific needs can be time-consuming – primarily if you have a condition like diabetes insipidus, which can often require additional underwriting requirements and questions asked of the applicant.
The good news is we have found that there are several insurance companies in the market who specialize in high-risk applications, and especially applicants with diabetes. So even if an application has been denied before, don’t feel like your chances are the same. We can also help with other specific needs such as smoker life insurance or best companies for pilot life insurance.
What is Diabetes Insipidus and How Can It Affect Your Life Insurance Application?
Diabetes insipidus is a somewhat rare health condition which prevents a person’s kidneys from retaining water. Typically, normal functioning kidneys will be able to process blood, as well as filter out liquid waste – which the body will later eliminate via urination. The process is controlled by a hormone that is known as ADH.
A person who has diabetes insipidus will be unable to perform this function properly in their body. Rather, the dispersion of the ADH hormone will either be interrupted, or the individual’s kidneys will no longer respond to it at all.
There are various forms of diabetes insipidus that may occur, the two most common being central diabetes insipidus and nephrogenic diabetes insipidus. If an individual has central diabetes insipidus, then they will have insufficient levels of ADH. This will be because there will not be enough ADH hormone that is produced by the individual’s brain. If an individual has nephrogenic diabetes, then he or she will have a lack of response to the ADH hormone.
There is also a condition that is known as gestational diabetes insipidus. This can occur when a woman is pregnant. Also, there is Dipsogenic diabetes insipidus. This health condition can occur as the result of a person drinking an excessive amount of fluid.
Typically, many of the cases of diabetes insipidus that are diagnosed are the result of damage to the patient’s hypothalamus gland or their pituitary gland. The damage to these glands may have been caused by either a head injury, an infection, or a surgical procedure. It could also have been due to an abnormal growth, such as from a tumor. In other cases, the result may have been caused by the side effect of certain medications.
There are some symptoms that can come along with having diabetes insipidus. These can include:
- Excessive thirst
- Excessive amount of urine production
If a small child has this condition, he or she may also have a fever, vomiting, and diarrhea, as well as weight loss and even delayed growth.
What the Life Insurance Underwriters Want To Know When You Have Diabetes Insipidus
When obtaining a life insurance policy, the first step in the process is to fully complete an application for coverage. This application will ask for more “basic” information along with standard health questions.
The life insurance company will also want to know more in-depth details regarding your diabetes insipidus. Therefore, it is probable that you will be asked either some or all of the following questions:
- When were you first diagnosed with diabetes insipidus? While this is not necessarily a life-threatening condition if it is diagnosed and controlled early on, if it is not managed quickly, then it could become much more serious – and can lead to a more life-threatening state.
- Do you take any medication to control or manage your diabetes insipidus? It is important to take any and all of the medication(s) that have been prescribed for helping you to manage or control this condition. The insurance underwriters will want to know what medication(s) you are taking, as well as the amount of the dosage(s).
- Have you had any symptoms within the past six months? Some of the most common symptoms of diabetes insipidus can include fatigue, dehydration, and / or an increase in heart rate. If you have experienced any of these symptoms within the past six months, it could be a sign of a flare up. This could cause you to get a Substandard rating on your policy as versus a Standard, provided that you are otherwise in good health.
- Do you visit your endocrinologist and / or other medical professional(s) on a regular basis? Visiting your medical professional(s) for the purpose of managing and / or controlling your diabetes insipidus is a good indicator to the life insurance underwriters that you are working to improve your health.
- Have you had any relevant lab or diagnostic testing performed within the past 12 months? Any relevant lab or diagnostic testing such as an MRI or a CT scan, as well as a urine volume test and / or a urinalysis, are some methods of assessing your actual health condition. If you have had any of these types of tests performed within the past 12 months, then the insurance underwriters may wish to review the results to get a more clear picture of your overall health. This information can assist the underwriters in making a more accurate determination regarding your insurance coverage – as well as a premium quote.
How Much Will Your Life Insurance Coverage Cost?
When you have a condition such as diabetes insipidus, then the severity of your actual condition, as well as your overall health will also be key to determining how much you will pay per month for your policy.
Should you otherwise be in very good health, and if you have not had any symptoms or flare-ups in more than six months, then it may be possible for you to obtain a Standard rating on your policy – depending on the specific insurance carrier. This being the case, your premium rate would be in line with that of an “average” policyholder who was of your same gender and similar age and health.
Otherwise, it is more likely that someone who has a condition such as diabetes insipidus would fall into a Substandard policy category. The severity of your condition, as well as how – and how well – you are managing your health, will all play a role in the actual price of your coverage. The insurance carrier that you insure with will also make a difference.
This is why it is important to work with an agency that specializes in life insurance for diabetics cases, along with an agent who has contracts with more than one carrier. This allows for greater comparisons and usually ends with you getting a lower rate.