Life Insurance with a Urinary Tract Infection (UTI).
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 a Urinary Tract Infection (UTI), Bladder Infection or Cystitis.
Questions that will be directly addressed will include:
- Can I qualify for life insurance after I’ve been diagnosed with a Urinary Tract Infection?
- Why do life insurance companies care if I’ve been diagnosed with a Urinary Tract Infection?
- 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 a Urinary Tract Infection?
Yes, individuals 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 Plus rate when applying for a no medical exam life insurance policy!
The only problem is that when not treated quickly and properly, these infections can “morph” into a kidney infection (pyelonephritis), which, over time, can cause some pretty significant health issues.
Why do life insurance companies care if I’ve been diagnosed with a Urinary Tract Infection?
What you’re typically going to find is the most (if not all) of the best life insurance companies (in our humble opinion) aren’t going to be all that worried about the fact that an individual has been diagnosed with a UTI or Bladder Infection provided that the infection didn’t spread to one’s kidney’s or cause any long term damage.
For this reason…
Unless you seem to have a “propensity” for developing a UTI or you have suffered from several kidney infections before, most of the time, individual life insurance applicants aren’t going to be asked about their previous UTI’s during the course of a life insurance application.
That said however…
Its important to understand what exactly a Bladder Infection is as well as understand what some of the symptoms of this “disease/condition” are so that if asked, you’ll have a better understanding of “why” a life insurance underwriter might be interested in the fact that you have been diagnosed with a UTI and not get too worried about their “inquiries”.
Cystitis, Bladder Infection, and Urinary Tract Infection (UTI) Defined:
Cystitis, Bladder Infection, and Urinary Tract Infection are three different terms that are often used interchangeably to describe a condition whereby one’s bladder and/or urethra become inflamed.
Symptoms may include:
- A strong and persistent urge to urinate,
- A burning sensation when urinating,
- Difficulty passing urine,
- Hematuria or blood in the urine,
- Cloudy urine,
- Strong-smelling urine,
Urinary Tract Infections are typically quite easy to treat with antibiotics and won’t usually progress into more complicated infections involving one’s kidneys (pyelonephritis) which is why most life insurance companies aren’t going to be too concerned about individuals who have been diagnosed a UTI or multiple UTI’s overtime
Now at this point…
We usually like to take a moment and remind folks that nobody here at IBUSA has any “official” 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 this one, find and qualify for the life insurance coverage that they are looking for.
Not so great if you’re looking for answers to any specific medical questions. In cases like these, we would recommend that you contact a true medical professional who has the training to help. For everyone else, you’re in luck because now we’re going to get into some of the “nitty-gritty” about what you may or may not be able to qualify for.
What kind of information will the insurance companies ask me or be interested in?
Common questions you may be asked may include:
- When did you suffer from your first UTI?
- How often do you experience a UTI?
- Have any of your UTI infections spread to a kidney?
- Are you currently suffering from a UTI right now?
- Are you currently taking any prescription medications right now?
From there, you’ll typically be asked a few questions just to make sure that they’re not missing anything that they should know about. These questions will pretty much be asked of all applicants applying for a traditional life insurance policy, so don’t let these questions scare you or make you wonder if having been diagnosed with a UTI is more serious that you originally thought!
- Have you been diagnosed with any other pre-existing medical conditions?
- 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?
What rate (or price) can I qualify for?
When it comes time to determine what kind of “rate” an individual can qualify for after having been diagnosed with Cystitis or a UTI, what you’re generally going to find is that if you’ve never had a UTI affect one of your kidneys, or if you’ve never really suffered from any “serious” consequences as a direct result from a UTI most life insurance companies aren’t going to use this as a factor in determining what kind of “rate” that you’ll be able to qualify for.
Or, in other words…
What you’re going to find is that whatever “rate” you would have been able to qualify for PRIOR to your UTI should be the same “rate” that you would be able to AFTER your UTI diagnosis.
“Which is great!”
Not everyone is so lucky. This means that some, may have had a UTI infection spread to one of their Kidneys or occur so frequently that some life insurance companies may consider these a potential “risk” that could prevent an applicant from qualifying for a Preferred rate.
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!