Here at InsuranceBrokersUSA, it seems like just about every week we get a call from an individual who has been diagnosed with diverticulosis or diverticulitis and are now wondering if it’s going to have a negative effect on the outcome of their life insurance application.
We would love to simply say…
The truth is…
Sometimes being diagnosed with diverticulosis or diverticulitis can have a negative effect on your life insurance application. In fact, sometimes it can even cause you to be denied coverage entirely.
For this reason…
We want to take a moment and help shed some light on what the process of applying for a traditional term or whole life insurance policy will look like after you’ve been diagnosed with diverticulosis/diverticulitis as well as provide you with a few “helpful tips” that could help you save some money along the way.
Diverticulosis vs Diverticulitis.
Up until now, we’ve been using the terms diverticulosis and diverticulitis somewhat interchangeably or at the very least, we have not been acknowledging that these are two totally different medical conditions.
And while it’s true that you can’t suffer from diverticulitis without first “having” diverticulosis, in the “world” of life insurance, these two will be treated differently by many insurance companies which is why it only makes sense to take a moment and define them here in our discussion.
About diverticulosis and diverticulitis.
Diverticulosis is a condition that occurs when one develops “pouches”, called diverticula, along the wall of the large intestine and/or colon. And while, these diverticula are “theoretically” considered abnormal, for many individuals, they may go “undiagnosed” for years or indefinitely simply because they do not become an issue for the individual.
In fact, nearly 80% of those who are diagnosed with diverticulosis may live a symptom fee life and never develop diverticulitis.
Which brings us to…
Discussing exactly what diverticulitis is. Diverticulitis is the term used to describe the medical condition that occurs when ones’ diverticula become inflamed or infected. The good news is that most people who have diverticulosis will never develop diverticulitis. In fact, only about 10-25% of individuals suffer from diverticulosis will ever develop diverticulitis.
But what happens when someone actually develops diverticulitis?
Common symptoms will often include:
- Stomach aches.
- Fevers and chills.
- Feeling bloated.
- Diarrhea or constipation.
- Decreased appetite.
- Lower gastrointestinal infections.
What causes diverticulosis and/or diverticulitis?
Nobody really knows why with diverticulosis will develop diverticulitis while other individuals won’t. It is believed however, that a diet low in fiber may play a role.
Because there does appear to be a link between diets low in fiber with suffering from diverticulitis, current medical thought stresses that those who have been diagnosed with diverticulosis should try to eat a healthy “fiber rich” diet in an effort to avoid any further diverticulitis flare ups.
As for those who have actually develop an infection and begin to experience symptoms of an active infection, antibiotics may be necessary to help the body recover from a diverticulitis flare up.
Diverticulosis/diverticulitis and life insurance.
When it comes to applying for a traditional term or whole life insurance policy, most life insurance companies are going to be more interested in how “well” your condition is being “managed” vs actually being diagnosed with the condition itself.
Which means that…
You’re generally going to find that individuals can potentially qualify for a wide range of rate classes varying from Preferred all the way to Table C or worse depending on how “Well” their condition is being “managed”.
Now you may be wondering…
What is a Table A to Table C rate?
Which is a great question to have! So, let’s just take a moment to discuss exactly what Table Rates are.
Life Insurance Table Rates…
Life insurance table rates are rates that fall just below a Standard or Normal rates and are typically reserved for those who are considered a “higher” risk for life insurance.
Now it’s important to understand that there are 10 total Table Rates that most insurance companies will consider, and….Table A in general will be considered the “best” table rate or the least expensive table rate and Table J being the “worst” table rate or the most expensive table rate.
What rate will you qualify for?
That’s a tough one. You see, when it comes to nailing down exactly what rate or Table Rate you may or may not qualify for, we’re going to need to know a little be more about how “severe” or “mild” your condition is. This is why, insurance companies and us here at InsuranceBrokersUSA are going to ask you questions such as:
- How old are you now?
- What is your current height and weight?
- When were you first diagnosed with diverticulosis?
- Have you ever been diagnosed with diverticulitis and if so, how often do you experience a “flare up”?
- Has your doctor recommended a particular diet for you? Are you following that diet?
- Have you ever needed to be hospitalized due to any symptoms you’ve experienced due to your diverticulitis?
- Have you been diagnosed with any other pre-existing medical conditions?
- Are you currently working now?
- In the past 12 months, have you applied for or received any forms of disability benefits?
The good news is that…
Once we know how “severe” your condition is, we here at InsuranceBrokersUSA are going to have a pretty good idea what “rate” you should be eligible for. We’re also going to have a pretty good idea “which” insurance company is going to offer you the greatest opportunity for success!
Now will we be able to help everyone one?
No. There will be some individuals where we simply aren’t able to find a life insurance policy that they will be able to qualify for. However, because we chose to work with dozens of different life insurance companies, cases like these are typically few and far between!
So, what are you waiting for? Give us a call today and see what we can do for you!