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Life Insurance with a Glomerulonephritis (Nephritis). Everything You Need to Know at a Glance!


Life Insurance with Nephritis.

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 Glomerulonephritis or Nephritis.

Questions that will be directly addressed will include:

  • Can I qualify for life insurance if I have been diagnosed with Glomerulonephritis or Nephritis?
  • Why do life insurance companies care if I’ve been diagnosed with Glomerulonephritis or Nephritis?
  • 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 Glomerulonephritis or Nephritis?

Yes, individuals can and often will be able to qualify for a traditional term or whole life insurance policy after they have been diagnosed with Glomerulonephritis.  The problem is, that there are a lot of different “types” of Glomerulonephritis that an individual can be diagnosed with which is just one reason why a life insurance company is going to want to learn more about your situation before they will be willing to “move forward” with your life insurance application.

Why do life insurance companies care if I’ve been diagnosed with Glomerulonephritis or Nephritis?

There are several different reasons “why” a life insurance company is likely to “care” if you’ve been previously diagnosed with Glomerulonephritis.  The first reason is because Glomerulonephritis is a potentially very serious pre-existing medical condition.  The second reason why a life insurance company is likely to “care” if you have been diagnosed with it is because it can be “caused” by some pretty serious pre-existing medical conditions.

For this reason…

We wanted to take a moment and take a look at exactly what Glomerulonephritis is and review some of the most common symptoms that a life insurance underwriter will be looking for when making his or her decision about your life insurance application.

Glomerulonephritis Defined:

Glomerulonephritis is a broad term used to describe a group of kidney diseases which are all characterized by a sudden onset of inflammation of the glomeruli (capillaries found within one’s kidneys), that are responsible for filtering the blood and producing urine.

Now we say…

A “broad” term used to describe a group of kidney diseases because under the “heading” of Glomerulonephritis you’re going to have:

  • Acute Glomerulonephritis:
      • Acute Glomerulonephritis, is a characterized as an abrupt or sudden onset of inflammation within the glomeruli.
  • Chronic Glomerulonephritis:
    • Is characterized by long-term inflammation and ultimate scarring of the glomeruli within the affected kidney.
  • Focal Segmental Glomerulosclerosis orGlomerulonephritis:
      • Which is characterized by scarring (sclerosis) within a specific spot within the kidney.

Common symptoms of Glomerulonephritis may include:

  • Pink or cola-colored urine,
  • Hematuria,
  • Proteinuria,
  • Hypertension,
  • Edema,
  • Etc…

Potential causes of Glomerulonephritis may include:

  • Viral infections,
  • Lupus,
  • Goodpasture’s syndrome,
  • Wegener’s disease,

Fortunately…

With early detection, along with proper care, individual will often be able to harmful effects of Glomerulonephritis and/or slow down the progression of this disease.  Common treatment options may include:

  • Eating less protein, salt and potassium,
  • Taking steps to reduce one’s blood pressure levels.
  • Use diuretics to reduce one’s water retention,
  • Take calcium supplements.

Now…

Before anyone gets too upset or beings complaining about the simplicity of our definitions that we’re using here, it’s important to understand that we here at IBUSA aren’t medical experts of 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 the one’s described above find and qualify for coverage.

Which means that…

Because we’re not going to be the one “diagnosing” your condition, all we need to do is understand that there are differences between these different pre-existing medical conditions and those differences are going to affect how a life insurance underwriter is going to consider you as a potential “risk”.

The good news is, that despite how simply our definitions of these disease may be, this is something that we actually have down pat!

Which is why…

When we are approached by an individual who has been diagnosed with any of these “kinds” of conditions, we’re going to know right away what questions a life insurance underwriter is going to want to know the answers too before he or she will be willing to make any kind of decision about the outcome of your life insurance application.

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 your first diagnosed with Glomerulonephritis?
  • Who diagnosed your Glomerulonephritis? A general practitioner or a specialist?
  • What symptoms (if any) led to your diagnosis?
  • What “kind” of Glomerulonephritis have you been diagnosed with?
  • Do you know what has caused you to develop Glomerulonephritis?
  • Have you had a renal function test performed?
  • What treatment options have you pursued?
  • Have you been diagnosed with any other pre-existing medical conditions?
  • Are you taking any prescription medications right now?
  • Are you currently working right now?
  • In the past 2 years have you been hospitalized for any reason?
  • In the past 12 months, have you applied for or received any form of disability benefits?

What rate (or price) can I qualify for?

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 after having been diagnosed with Glomerulonephritis, which 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 with you.

That said however…

There are a few “assumptions” that we can make about folks who have been diagnosed with Glomerulonephritis that will generally hold true.  For example, if you have simply been diagnosed with Acute Glomerulonephritis and you have fully recovered from your “attack” and don’t seem to be at risk of suffering from another attack, it’s reasonable to assume that a life insurance company isn’t going to discriminate against you for having developed an “acute” case of Glomerulonephritis.

Conversely…

If you are someone who suffers from Focal or Chronic Glomerulonephritis whereby your kidney has developed some scarification or sclerosis, it’s safe to say that you will be considered a “higher-risk” applicant and will probably not be able to qualify for a Standard or Better rate.  In cases like these, you’re just going to need to be much more selective with “which” life insurance company you ultimately decide to apply with.

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 so, if you ready to find out what we can do for you, just give us a call and let give us a chance to show you what we can do for you!

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