When applying for life insurance coverage, the insurance company’s underwriters will want to know as much as possible about you so that they understand the amount of risk that they will be taking on. This is so that they have a good idea regarding the possibility of whether or not they may need to pay out a costly claim in the near future.
For those who are in good health, qualifying for life insurance is typically not that difficult. But for those who may have certain types of adverse health issues, such as diabetes or dementia, obtaining the coverage that you need may be more of a challenge.
Having a health condition such as Dubin-Johnson Syndrome can make the life insurance qualification process a bit more challenging. However, working with a company or an agency that specializes in working with high-risk life insurance cases can help you in finding the right carrier, as well as in locating coverage that may be right for you. That is where we can assist you.
How Dubin-Johnson Syndrome Can Have an Effect on Your Life Insurance Application
Dubin-Johnson Syndrome is a rare genetic blood disorder. In fact, in order get this condition, a child must inherit it from both of his or her parents. If an individual has Dubin-Johnson Syndrome, it means that their body has the inability to move a chemical known as bilirubin from their liver.
The chemical bilirubin is produced when an individual’s liver breaks down worn-out red blood cells. In a normal situation, this chemical should move through the bile that is produced by a person’s liver and then proceeds through the bile ducts. It would then proceed past the gallbladder and then eventually move into the digestive tract.
But, when the chemical is not processed in the proper manner, then it will instead build up in the bloodstream. This will, in turn, cause a person’s skin, as well as the whites of their eyes, to turn a yellow color, resulting in jaundice. If a very high level of the chemical bilirubin builds up, it can cause brain damage, as well as cause damage to other bodily organs as well.
Because of this, a person who is applying for life insurance coverage may have difficulty in qualifying for coverage – or, if they qualify, they may be accepted as a substandard policyholder, depending on the severity of their condition.
What the Life Insurance Underwriters Will Want To Know
In getting a better understanding of your condition, if you have Dubin-Johnson Syndrome, and you are applying for life insurance coverage, there is certain information that the life insurance underwriters will want to know.
First, in most instances, you will need to fully complete an application for coverage. This will ask for more of the “basic” details such as your:
- Name and Contact Information
- Height and Weight (weight as it relates to your height)
- Smoking status / tobacco usage
- Alcohol usage / frequency
- Overall health history
- Family health history
- Hobbies / habits
- Foreign travel frequency
Due to your condition, the insurance underwriters will also want to know more in-depth details regarding the Dubin-Johnson, and the methods in which you are managing and / or controlling it. Therefore, you will likely also be asked to answer some or all of the following questions as well:
- When were you initially diagnosed with Dubin-Johnson Syndrome? Because Dubin-Johnson Syndrome is considered to be a benign condition, many individuals who possess this health issue can still qualify for a Standard life insurance policy rating. However, the insurance underwriters will still need to rule out any other types of blood conditions. Therefore, it may also be necessary to acquire your medical records from your primary care physician and / or other medical specialist that you see, as well as obtain a blood sample for testing purposes.
- Do you have any other health conditions? The underwriters will also want to know if you have any other health conditions in addition to Dubin-Johnson Syndrome. This way, they will be able to get a clearer picture of your overall health history. They may also ask you for your family health history as well.
- Do you meet regularly for check-ups with your hematologist? Meeting regularly with your hematologist is a good sign to the life insurance underwriters that you are working to manage and / or control your Dubin-Johnson Syndrome.
- Have you had any relevant lab and / or diagnostic testing performed over the past 12 months? Having any lab and / or diagnostic testing performed over the past 12 months can help the underwriters in determining your overall health condition, as well as an appropriate premium rate for a policy. Therefore, the underwriters may wish to have access to the results of such tests.
In addition to the application for coverage and the additional questions, it is likely that you will be required to undergo a medical examination as a part of the life insurance application process. This exam will typically entail meeting with a paramedical professional – or “paramed” – either at your home or other convenient location for you.
This exam usually only takes about 30 minutes. During the exam, the paramed will ask you some additional health-related questions. He or she will also obtain from you a blood and a urine sample.
Should the life insurance underwriters also wish to obtain additional medical records either from your primary care physician, any medical specialist(s) that you see, or both, then they will need to obtain your permission to do so first. These records can be helpful to the underwriters in understanding your overall health condition.
After all of your information has been obtained by the life insurance company, the underwriters will be able to review it all, and from there they will be able to make a determination regarding your coverage.
How Much Will Your Policy Cost If You Have Dubin-Johnson Syndrome
The price that is paid in premium for a life insurance policy is determined based on several different factors. These will include the type and the amount of insurance that you are obtaining. They will also include your gender, as well as your age at the time of policy purchase. Also, a key factor will be the severity of your Dubin-Johnson Syndrome.
Another primary criterion in premium price of your policy coverage – or even whether you are approved for a policy at all – will be the insurance carrier. What many people are not aware of is that, while all insurance carriers have certain criteria for approving their applicants for coverage, these criteria are not identical. Therefore, when a person applies for coverage at one insurer, they may not be accepted. When the same individual applies at another carrier, they may be readily approved. Likewise, different life insurance carriers may also have large variations in the price of their coverage – even for the very same type and amount of benefits.
With that in mind, it is important to work with an agency or a company that has access to numerous insurance carriers. This is because it can have a big difference is not only whether or not you are approved – but also in the price of your policy.
For those who have Dubin-Johnson Syndrome, provided that you are otherwise in good health, you may be able to qualify as a Standard policyholder – depending on the insurance carrier that you apply through.
Where to Find the Best Premium Quotes on Life Insurance with Dubin-Johnson Syndrome
When you are ready to move forward with finding the life insurance coverage that is right for you, we can help. We work with many of the top life insurance companies in the marketplace today, and we can assist you in finding all of the information that you require for making a well-informed purchasing decision. If you are ready to proceed, all you have to do is just simply fill out the form on this page to start your life insurance quote..
Should you find that you still have any questions at all regarding qualifying for life insurance with Dubin-Johnson Syndrome – or even if you just have a question about life insurance in general – our experts will be happy to assist you. We can be reached directly via phone, toll-free, by dialing <888-229-7522.
We understand that applying for life insurance may seem to be somewhat challenging – especially if you have certain types of adverse health issues like Dubin-Johnson Syndrome. But the good news is that today, you have many more options that are available to you – and, when working with a specialist that focuses on high-risk life insurance cases, you will be able to save a great deal of time, and frustration, throughout the entire insurance application and underwriting process. So, contact us today – we are here to help.