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 being diagnosed with Diplopia or Double Vision.

Questions that will be directly addressed will include:

• Can I qualify for life insurance after being diagnosed with Diplopia?
• Why do life insurance companies care if I’ve been diagnosed with Diplopia?
• 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 being diagnosed with Diplopia?

Yes, individuals who have been diagnosed with Diplopia or Double Vision 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 life insurance without a medical exam at a Preferred rate!

The only problem is…

That before making any decisions about one’s life insurance application, most (if not all) of the top life insurance companies are going to want to know “why” an individual has developed Diplopia (if possible) and be sure that the Double Vision that one is experiencing isn’t a symptom of some more serious diagnosed or un-diagnosed pre-existing medical condition.

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

Probably the number one reason why a life insurance company is likely to “care” if an individual has been diagnosed with Diplopia or Double Vision is that many of the potential “causes” for someone to develop such a condition are quite serious!

Conditions that can cause Diplopia may include:

• A stroke,
• Traumatic brain injury,
• Brain swelling,
• A brain aneurysm,
• A brain tumor,
• An infection within the brain,
• Etc…

Or it could be caused by some “unknown” cause and resolve itself on its own.

Which is why…

Insurance companies will want to ask you a series of questions about your Double Vision before they make any definitive decisions about your life insurance application so that they can get a better idea of whether or not your Diplopia is something that they need to be worried about.

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 Diplopia or Double Vision?
• Are you still suffering from Diplopia?
• Do you know what caused you to suffer from Diplopia?
• Have you been diagnosed with any other pre-existing medical conditions?
• Have you ever been diagnosed with heart disease, diabetes, or cancer?
• Have you ever suffered from a heart attack or a stroke?
• Are you taking any prescription medications right now?
• In the past two years, have you been hospitalized for any reason?
• Are you currently working right now?
• In the past 12 months, have you applied for or received any form of disability benefits?

Now, at this point…

We usually like to take a moment and remind folks that nobody here at IBUSA has any medical training, and we’re certainly not doctors. All we are is a bunch of life insurance agents who just happen to be really good at helping folks with pre-existing medical conditions like Diplopia find and qualify for the life insurance coverage that they are looking for.

So, without further ado, let’s examine what rates an individual who has been diagnosed with Diplopia might qualify for!

What rate (or price) can I qualify for?

Now, as you can see, many factors can come into play when trying to determine what kind of “rate” an individual will be able to qualify for after being diagnosed with Diplopia. And we haven’t even taken a look at many of the “factors” that will come into play that have nothing to do with the fact that you have been diagnosed with double vision in the past.

Factors such as:

• Family medical history,
• Driving record,
• Travel history,
• Criminal background checks,
• Etc…

This is why it’s almost impossible to know what “kind” of rate you’ll qualify for without first speaking with you for a few minutes. That said, however, there are a few “assumptions” that one can make that will generally hold true and may provide you with a “general” idea about what kind of “rate” you might be able to qualify for.

For example…

If you have been diagnosed with “idiopathic” (or cause unknown) Diplopia and have subsequently “recovered” from your condition for a minimum of one year, what you’re likely to find is that most life insurance companies aren’t going to use your Diplopia diagnosis as a reason to discriminate against you.

Or…

In other words, whatever “rate” that you would have been able to qualify for PRIOR to being diagnosed with Diplopia should be the same “rate” that you would be able to qualify for AFTER having been diagnosed with Diplopia.

“Which is great!”

Now for those…

Of you who know “why” you’ve developed Diplopia, what you’re usually going to find is that this underlying pre-existing medical condition that is causing your Diplopia is ultimately going to be the main determinant deciding what kind of “rate” you will be able to qualify for. In cases like these, we would invite you to take a look at our pre-existing page and see if we’ve written another article that specifically talks about the condition that is causing you to suffer from Diplopia.

This brings us to the last topic that we wanted to discuss here today, 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 professional 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 should be completely honest with your life insurance agent before applying for coverage. By doing so, you will help him or her narrow down what options might be the “best.”

Now, will we be able to help out everyone who has been previously diagnosed with Double Vision?

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 of the Best Burial 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 explore your options, just give us a call!