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Life Insurance and Epididymitis (Recovered). Everything You Need to Know at a Glance!


Life Insurance after recovering from Epididymitis.

In this article, we wanted to take a moment and try and answer some of the most common questions we get from folks applying for life insurance after being diagnosed with Epididymitis (recovered).

Questions that will be directly addressed will include:

  • Can I qualify for life insurance if I have been diagnosed with Epididymitis?
  • What kind of information will the insurance companies ask me or be interested in?
  • What rate (or price) can I qualify for?
  • What can I do to help ensure that I get the “best life insurance” for me?

So, without further ado, let’ dive right in!

Can I qualify for life insurance if I have been diagnosed with Epididymitis?

Yes, individuals who have been diagnosed with Epididymitis can and often will be able to qualify for a traditional term or whole life insurance policy.  In fact, they may even be able to qualify for a Preferred rate!

The only problem is…

That most (if not all) life insurance companies are going to want to wait until an individual has fully recovered from their Epididymitis infection prior to approving their life insurance application as well as make sure that their Epididymitis infection isn’t simply a symptom of some larger, more serious pre-existing medical condition.

Epididymitis Definition:

Epididymitis is a term used to describe an inflammation of the epididymis which is the coiled tube that is located at the back of each testicle.  Its purpose is to store and carry sperm.

Common symptoms of Epididymitis can include:

  • Red, inflamed scrotum,
  • Tender/painful testicle(s),
  • Discharge form the penis,
  • Blood in the semen,
  • Painful urination combined with a frequent urge/need to urinate.

Fortunately…

Because most cases of Epididymitis are caused by an STI, specifically gonorrhea and chlamydia, treating Epididymitis is usually pretty successful.  Typically administering either doxycycline or ciprofloxacin for 4 to 6 weeks will do the trick.  We should also point out that while most cases of Epididymitis are caused by an STI, this is not always the case which is why one should never try to “self-diagnosis” themselves.

“Which brings us to an important point that we think we ought to mention.”

First…

If you think you have a medical issue, don’t use the internet to try and diagnose yourself.  After all, if you do and your correct, you’re still going to need to see the doctor, and if you’re wrong, the time you spend being your own doctor could really cause great harm to yourself!

Second…

Nobody here at IBUSA is medically trained and we’re certainly not doctors.  All we ware is a bunch of life insurance agents who just happened to be really good at helping individual find and qualify for the life insurance that they’re looking for.  So please don’t mistake any of the medical information that we talk about as medical advice because it’s not!

We’re just…

Trying to “prep” you for what it might be like to apply for a life insurance policy after you have been diagnosed with Epididymitis… that’s it!  Which brings us to our next topic which is…

What kind of information will the insurance companies ask me or be interested in?

Generally, when it comes time to help someone that has been diagnosed with Epididymitis what you’re typically going to find is that as long as you currently aren’t treating an active infection, most (if not all) life insurance companies aren’t really going to care all that much about it.

Now they might care…

About “why” you have contracted Epididymitis particularly if you have been diagnosed with Epididymitis on numerous occasions, however there really isn’t going to be a question on the life insurance application that is going to ask you how many times have you been diagnosed with Epididymitis.

Instead…

They’ll just try to work backwards from a prescription database check that they’ll order and try to match that information with some of the following questions which you will likely be asked:

  • What is your current height and weight?
  • Have you ever been diagnosed with a pre-existing medical condition?
  • Have you ever been diagnosed with cancer, heart disease, stroke or diabetes?
  • Have any of your immediate family (mother, father, brother or sister) ever been diagnosed with cancer, heart disease, stroke or diabetes?
  • Are you currently taking any prescription medications?
    • If so, have any of those prescription medications changed in any way over the past 12 months?
  • In the past 12 months, have you used any tobacco or nicotine products?
  • In the past 2 years, have you been admitted into a hospital for any reason?
  • Have you ever been convicted of a felony or misdemeanor?
  • Do you have any history of drug or alcohol abuse?
  • Do you have any set plans to travel outside of the United States?
  • Do you have any issues with your driving record? Issues such as multiple moving violations, a DUI or a suspended license?
  • Do you actively participate or do you plan on participating in any dangerous hobbies? Hobbies such as skydiving, hang gliding or rock climbing?
  • Are you currently working now?
  • In the past 12 months, have you applied for or received any form of disability benefits?

What rate (or price) can I qualify for?

Now as you can see, there are a lot of factors that can come into play when trying to determine what kind of “rate” you might be able to qualify for regardless of whether or not you’ve been diagnosed with Epididymitis in the past or not.  This is why, it’s pretty much impossible to know for sure what “kind” of rate you might be able to qualify for without first speaking to you directly.

That said however…

What we can tell you for sure is that if you are no longer suffering from Epididymitis, and you seem to have made a full recovery, chances are, whatever “rate” that you would have been able to qualify for PRIOR to being diagnosed with Epididymitis should be the same “rate” that you should be able to qualify for AFTER having been diagnosed with Epididymitis.

“Which is great!”

And creates the perfect segue into our last topic in this article which is…

What can I do to help ensure that I get the “best life insurance” for me?

In our experience here at IBUSA, what we have found that works best for folks who have been diagnosed with a pre-existing medical condition where the “severity” of the condition is often “subjective” is for the applicant to make sure that they first find a true-life insurance profession who will work as an advocate for you.

Such an agent…

Will not only help guide you through the application process but also be perfectly “frank” with you about what options may or may not be possible for you.

From there…

You’ll also want to make sure that the very same agent you have chosen has access to dozens of different life insurance companies because after all, it really doesn’t matter how “great” of a life insurance agent you might have if they don’t have access to the “best” life insurance policy for you!  Now does it?

Lastly…

You’ll want to make sure that you’re completely honest with your life insurance agent prior to applying for coverage.  By doing so, you will be helping him or her narrow down what options might be the “best”

So, what are you waiting for?  Give us a call today and see what we can do for you!

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