Life Insurance with Cerebrospinal Meningitis.
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 having suffered from Cerebrospinal Meningitis.
- Can I qualify for life insurance if I having suffered from Cerebrospinal Meningitis?
- Why do life insurance companies care if I have suffered from Cerebrospinal Meningitis?
- What kind of information will the insurance companies ask me or be interested in?
- What “rate” 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’s dive right in!
Can I qualify for life insurance if I have suffered from Cerebrospinal Meningitis?
Yes, individuals who have been diagnosed with Cerebrospinal Meningitis 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 rating!
The only problem is…
That because Cerebrospinal Meningitis is a serious pre-existing medical condition, most (if not all) life insurance companies are going to want to ask a series of medical questions prior to making any kind of definitive decisions about your life insurance application so that they can rule out the possibility that you may be at an increased risk of suffering from this condition again in the future as well as determine if you suffer from any lingering affects from your original infection.
Why do life insurance companies care if I have suffered from Cerebrospinal Meningitis?
The main reason why a life insurance company is likely to “care” if any individual has been diagnosed with Cerebrospinal Meningitis is because it is a pre-existing medical condition which is defined as an infection of the meninges, which is the surrounding tissue that covers one’s brain and spinal cord! And, if left untreated or improperly treated can cause one to experience brain swelling which can lead to a variety of potentially life-threatening conditions.
When diagnosed early, Cerebrospinal Meningitis can be treated quite effectively with the used of intravenous antibiotics and sometimes corticosteroids which can and often will allow one to significantly reduce the severity of any complications one might experience as a result of this infection.
Early symptoms of Cerebrospinal Meningitis may include:
- Nausea, vomiting,
- Sensitivity to light,
- Cold hands and/or feet,
Long term effects of Cerebrospinal Meningitis may include:
- General fatigue,
- Recurring headaches,
- Mood swings,
- Light headedness,
- Vision difficulties,
- Hearing issues,
Causes may include bacterial, viral or fungal infections.
“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 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 you’re on doctor could really 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 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!
Trying to “prep” you for what it might be like to apply for a life insurance policy after you have been diagnosed with Cerebrospinal Meningitis… 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?
Common question you’ll likely be asked may include:
- When were you first diagnosed with Cerebrospinal Meningitis?
- What “kind” of Meningitis were you diagnosed with?
- What symptoms led to your diagnosis?
- How did you treat your Cerebrospinal Meningitis?
- Do you suffer from any lingering affects of your previous Cerebrospinal Meningitis?
- Have you been diagnosed with any previous pre-existing medical conditions?
- What prescription medications are you currently taking?
- In the past 2 years, have you been admitted into a hospital for any reason?
- In the past 12 months, have you used any tobacco or nicotine products?
- Are you currently working now?
- In the past 12 months, have you applied for or received any form of disability insurance?
What “rate” can I qualify for?
Now as one can see, there are a lot of factors that can come into play when determining what kind of “rate” you might be able to qualify for after being diagnosed with Cerebrospinal Meningitis. But, what might surprise you is that despite all of these questions you’re probably going to be asked, at the end of the day, if you have made a full recovery from your Cerebrospinal Meningitis infection, and you aren’t experiencing any lingering “affects” of your infection chances are you’re previous infection isn’t going to play a major role in the outcome of your life insurance application.
Or in other words…
Whatever “rate” that you would have been able to qualify for PRIOR to being diagnosed with Cerebrospinal Meningitis should be the same rate that you would be able to qualify for AFTER having been diagnosed with Cerebrospinal Meningitis. This is “why” it’s possible that some folks may still be able to qualify for a Preferred rate after having made a full recovery from their infection.
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!