Life Insurance with Cholecystitis.
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 with Cholecystitis (Recovered).
- Can I qualify for life insurance if I have been diagnosed with Cholecystitis?
- Why do life insurance companies care if I have been diagnosed with Cholecystitis?
- 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 been diagnosed with Cholecystitis?
Yes, individuals can and often will be able to qualify for a traditional term or whole life insurance policy after being diagnosed with Cholecystitis. In fact, they may even be able to qualify for top-rated no medical exam life insurance policy at a Preferred rate in some cases!
The problem is…
That because Cholecystitis can become a serious situation if not treated right away, most (if not all) of the best life insurance companies (in our humble opinion) will want to wait until someone has completely recovered from their Cholecystitis before even considering them eligible for a traditional life insurance policy.
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Why do life insurance companies care if I have been diagnosed with Cholecystitis?
The main reason most (if not all) life insurance companies are going to “care” if you have been diagnosed with Cholecystitis is that it can become a serious problem if not treated properly and usually require both treatments with antibiotics as well as surgery in order to cure!
Cholecystitis is a pre-existing medical condition that is defined as an inflammation of the gallbladder. This “infection” can happen at any time but usually occurs when someone is simultaneously suffering from a gallstone attack.
Symptoms of Cholecystitis may include:
- Severe pain located in one’s upper right or center abdomen that can spread to one’s right shoulder and back,
- Abdominal tenderness,
Once Cholecystitis has been diagnosed and properly treated, most individuals will recover quickly and have very few residual complications resulting from their infection. This is why once an individual has recovered from Cholecystitis, most life insurance companies are really going to consider having been diagnosed with Cholecystitis as something that will play too much of a role in the outcome of your life insurance application.
What kind of information will the insurance companies ask me or be interested in?
- When were your first diagnosed with Cholecystitis?
- Who diagnosed your Cholecystitis? A general practitioner or specialist?
- What symptoms (if any) led to your diagnosis?
- How was your Cholecystitis treated?
- Do you currently suffer from any residual effects or symptoms of your Cholecystitis?
- Have you been diagnosed with any other pre-existing medical conditions?
- In the past two years, have you been admitted into the 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?
Now at this point…
We usually like to take a moment and remind folks that nobody here at IBUSA has any kind of 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 Cholecystitis, find and qualify for the life insurance coverage that they are looking for.
So, without further ado, let’s take a look at what kind of rates an individual diagnosed with Cholecystitis might qualify for!
What “rate” can I qualify for?
When it comes time to understanding what kind of “rate” that an individual might be able to qualify for after they have been diagnosed with Cholecystitis what’s going to matter most is whether or not an applicant is currently suffering from Cholecystitis…
Or, have they already been cured?
In cases where an individual is currently receiving treatment, what you’re generally going to find is that most (if not all) life insurance companies are going to want to postpone one’s life insurance application until a point in time where their condition has been completely resolved.
Once an individual has been “cured” of their Cholecystitis what you’re typically going to find is that whatever rate you may have been able to qualify for before being diagnosed with Cholecystitis ought to be the same as the rate that you would AFTER having been diagnosed and cured of your Cholecystitis.
“Which is great!”
And segues very nicely into our next topic, 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.
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?
You’ll want to make sure that you’re completely honest with your life insurance agent prior to applying for coverage. By doing so, you will be helping him or her narrow down what options might be the “best”.
So, what are you waiting for? Give us a call today and see what we can do for you!
Now, will we be able to help out everyone who has been previously recovered from their Cholecystitis?
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 Top Rated Final Expense 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!