If you have certain health conditions, getting approval for life insurance coverage can be a challenge. This is because the insurance underwriters will want to ensure that approving you for a policy will not put the life insurance carrier at too much risk of paying out a claim – especially soon after providing you with the coverage.
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 that working with a life insurance specialist that focuses in the area of high-risk cases can help you in finding a carrier much more quickly – helping you to alleviate a great deal of time, and frustration, throughout the application process. This is where we can help. Even if you have been turned down for life insurance coverage in the past, there are many more options that may be available to you today. 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.
Due to this condition, it can have an effect on a person’s application for life insurance coverage – and because of that, it is likely that the insurance underwriters will want to know as much as possible about your condition if you have been diagnosed with diabetes insipidus.
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 such as your:
- Contact details
- Height and weight (weight as it relates to your height)
- Marital status
- Occupation and income
- Smoking status / tobacco usage
- Alcohol consumption / frequency
- Overall health history
- Family health history
- Medication(s) taken / dosage(s)
- Foreign travel frequency
- Hobbies / habits
- Other life insurance coverage in force (and the amount of this coverage)
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?
There are many factors that go into the total premium price of a life insurance policy. These certainly include the type and the amount of the life insurance that is being purchased. It will also include the age and gender of the applicant. 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.
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, as well as one that has access to more than just one life insurance carrier. Doing so will allow you to compare more than just one insurer – and ideally, more than just one premium price option.
Where to Obtain the Best Life Insurance Premium Quotes with Diabetes Insipidus
When you are ready to move forward with the purchase of life insurance with diabetes insipidus, we can help. We work with many of the top life insurers in the marketplace today – and we can help you to obtain all of the important information that you need in making a life insurance purchase decision. If you are ready to proceed, just simply complete the brief form on this page..
If you find that you still have any questions, please feel free to contact us directly. We can be reached via phone, toll-free, by dialing 888-229-7522. Our experts will be happy to walk you through any information that you require.
We understand that applying for life insurance may seem a bit overwhelming – especially if you have a condition such as diabetes insipidus. But the good news is that you have many options today. So, contact us now – we’re here to help.