Life Insurance with Cyclical Edema.
In this article, we wanted to take a moment to answer some of the most common questions we get from folks applying for life insurance after they have been diagnosed with Cyclical Edema.
Questions that will be directly addressed will include:
- Can I qualify for life insurance after I’ve been diagnosed with Cyclical Edema?
- Why do life insurance companies care if I’ve been diagnosed with Cyclical Edema?
- 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 after I’ve been diagnosed with Cyclical Edema?
Yes, individuals (because it can sometimes affect men as well) can and often will be able to qualify for a traditional term or whole life insurance policy after having been diagnosed with Cyclical Edema. In fact, they may even be able to qualify for a no medical exam life insurance policy at a Preferred rate!
The only problem is…
That until a life insurance underwriter can be completely 100% sure that your Edema is caused by any other pre-existing medical condition or “yet to be diagnosed” medical condition, most life insurance companies will proceed with the “processing” of your life insurance application with a healthy amount of caution.
Why do life insurance companies care if I’ve been diagnosed with Cyclical Edema?
Most life insurance companies aren’t going to care about the fact that you may have been diagnosed with Cyclical Edema. What they will “care” about is making sure that your “cyclical edema” actually is just that and not a symptom of some other kind of pre-existing medical condition.
This is because…
At the end of the day, Cyclical or Idiopathic Edema is a simple condition upon which an individual (usually a woman) will begin to accumulate weight during the day.
It is a condition that occurs in the absence of any heart, kidney, or liver disease. The only problem is that it is sometimes also associated with diabetes, obesity, and/or other emotional problems. This is something that a lot of life insurance underwriters will also be looking for once they are able to determine that “your” Edema truly is idiopathic.
Traditional forms of Edema, which will be treated quite differently than Cyclical Edema is a pre-existing medical condition that is characterized by an abnormal accumulation of fluid within the body. Traditional Edema is also often a symptom of some other “type” of a pre-existing medical condition such as:
- Congestive heart failure,
- Cirrhosis of the liver,
- Kidney disease or damage,
- Weak veins,
- Inadequate lymphatic system,
Or any number of medical conditions that could cause one to suffer from a long-term protein deficiency.
The good news is…
That if you do only suffer from Cyclical Edema, then there’s a really good chance that you don’t also suffer from one of these other more “serious” pre-existing medical condition which means that we now just need to make sure that the life insurance underwriter who will be reviewing your life insurance application understands this.
Which is why…
We here at IBUSA like to ask many of the same questions that a life insurance underwriter might want to ask so that when he or she reviews your life insurance application, he or she will have all of the answers they will need to make up their mind.
What kind of information will the insurance companies ask me or be interested in?
Common questions you’ll likely be asked may include:
- When were you first diagnosed with Cyclical Edema?
- Who diagnosed your Cyclical Edema? A general practitioner or a specialist?
- What symptoms led to your diagnosis?
- How persistent is your Cyclical Edema?
- Is your Cyclical Edema “triggered” by any behaviors?
- Sitting at a desk all day?
- Standing for hours and hours?
- Traveling in an airplane?
- Have you been diagnosed with any other pre-existing medical conditions?
- Have you been diagnosed with heart, liver, or kidney disease?
- Have you been diagnosed with diabetes?
- Are you currently taking any prescription medications?
- In the past 12 months, have you used any tobacco or nicotine products?
- In the past two years, have you been admitted into a hospital for any reason?
- Are you currently working now?
- In the past 12 months, have you applied for or received any form of disability benefits?
“Which brings us to an important point that we think we ought to mention.”
If you think you have a medical issue, don’t use the internet to 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 you’re on doctor could cause great harm to yourself!
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 individuals 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!
Trying to “prep” you for what it might be like to apply for a life insurance policy after you have been diagnosed with Cyclical Edema… that’s it! Which brings us to our next topic, which is…
What rate (or price) can I qualify for?
As we can see, there are many potential factors that can come into play when trying to determine what kind of “rate” that an individual can and will be able to qualify. This is why, it’s pretty much impossible to know for sure what kind of “rate” you might qualify for without first speaking with you for a moment.
That said however…
It is fair to “assume” that if you have ONLY been diagnosed with Cyclical Edema and you’re not suffering from any other “kind” of pre-existing medical condition, it’s fair to say that most life insurance companies aren’t necessarily going to use this diagnosis against you.
Which would imply…
That whatever “rate” you would qualify for PRIOR to be diagnosed with Cyclical Edema should be the same “rate” that you would be able to qualify for AFTER having been diagnosed with Cyclical Edema.
“Which is great!”
But, let’s face it, it’s true that Cyclical Edema does seem to be linked to other pre-existing medical condition such as obesity, diabetes and some emotional distress disorders which is why it’s important to choose a life insurance agent who is familiar with helping folks like yourself find and qualify for the coverage that you’re looking for.
The good news is…
That regardless of your situation, we here at IBUSA can help because we have tons of experience helping folks with all sorts of pre-existing medical conditions like yours and are committed to helping all of our clients find the “best” life insurance policy that they can qualify for. Which brings us to the last topic that we wanted to take a moment and discuss, 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 usually, the folks who seem to find the “best” life insurance policy for them are those that:
- Take their time reviewing their options.
- Ask a lot of questions.
And seek out those life insurance agents who not only have experience working with individuals who have been diagnosed with a wide variety of pre-existing medical conditions but also have access to dozens of different life insurance companies so that when it comes time to helping a more “challenging” case, they don’t have to rely on a…
“One size fits all approach!”
The good news is that this is exactly what you’re going to find here at IBUSA!
Now, will we be able to help out everyone who has been previously diagnosed with an Aneurysm?
No, probably not. But what we can tell you is that in addition to offering a wide variety of different term and whole life insurance policies, IBUSA has also worked very hard to establish relationships with many Guaranteed Issue Life Insurance Companies as well so that in the event that someone isn’t able to qualify for a traditional life insurance policy, chances are there may be some other “type” of product that you CAN qualify for.
So, if you’re ready to see what options might be available to you, just give us a call!