Life Insurance with Biliary Colic.
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 having been diagnosed with Biliary Colic.
- Can I qualify for life insurance if I have been diagnosed with Gallstones or Biliary Colic?
- Why do life insurance companies care if I have been diagnosed with Gallstones or Biliary Colic?
- 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 Gallstones or Biliary Colic?
Yes, individuals who have been diagnosed with gallstones or biliary colic 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 no medical exam life insurance policy at a Preferred rate.
The only problem is…
That if someone is currently suffering from a gallstone attack, or hasn’t fully recovered from a gallstone attack, chances are they will have their life insurance application “postponed” until which point the insurance company is certain that the applicant has made a full recovery from their condition.
Why do life insurance companies care if I have been diagnosed with Gallstones or Biliary Colic?
The main reason why most of the best life insurance companies (in our opinion) are going to “care” if an individual has been diagnosed with Biliary Colic is that they want to make sure that this is “all” that an individual has been diagnosed with and that their gallbladder attack isn’t actually a symptom of a larger more serious condition known as Cholecystitis.
For this reason…
Let’s just briefly define each condition so that we have a better understanding of exactly what we’re talking about when looking at when comparing Biliary Colic vs. Cholecystitis.
Biliary Colic Defined:
Biliary Colic is a term used to define a medical condition that occurs when a gallstone becomes “stuck” or logged within a bile duct, which connects the gallbladder to the liver. As a result of this blockage, a patient will typically begin to feel pain in the middle to upper right portion of their abdomen. This pain can last for a few minutes up to a few hours, depending upon how long it takes for one’s body to “pass” the stone through the blocked bile duct.
Cholecystitis on the other hand…
Is a term used to describe inflammation within the actual gallbladder itself. And, unlike a gallbladder attack, Cholecystitis will require immediate medical care mainly because the pain associated with Cholecystitis is typically much more severe and likely to last much longer.
The good news…
Is that both of these conditions are treatable, and once it has been determined that an applicant is no longer suffering from either of these medical conditions, they should be considered eligible for a traditional life insurance policy.
Which is why…
Even though neither or these two medical conditions are likely to play a major role line outcome of one’s life insurance application, one should be prepared to answer a series of medical questions about their condition so that a life insurance underwriter can feel more comfortable about moving forward with 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 was the first time you suffered from a gallstone attack?
- Who diagnosed your “attack” as a gallstone attack? Your primary care physician? A specialist? Or yourself?
- How many attacks have you suffered from?
- In the past 12 months, have you suffered from a gallstone attack? If so, have you only suffered from a single attack within the past year?
- Have you also been diagnosed with Cholecystitis?
- In the past two years, have you been hospitalized for any reason?
- Has your doctor recommended any particular treatment options?
- Options such as:
- Surgical procedures?
- A special diet?
- Have you been diagnosed with any other pre-existing medical conditions?
- Are you currently taking any prescription medications?
- What are your current height and weight?
- Are you currently working now?
- In the past 12 months, have you applied for or received any form of disability benefits?
“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 us or the internet to diagnose yourself. After all, if you do and you’re correct, you’re still going to need to see the doctor, and if you’re wrong, the time you spend being your own doctor could harm 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 good at helping individuals 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 Biliary Colic… that’s it! This brings us to our next topic, which is…
What “rate” can I qualify for?
Now, as you can see, there are many factors that can come into play when trying to determine what kind of “rate” an individual might qualify for after having been diagnosed with Biliary Colic. This is why it’s almost impossible to know for sure what kind of “rate” you might qualify for without first speaking with you directly.
That said however…
We can tell you that if you have been diagnosed with Biliary Colic and have made a full recovery since your last gallstone attack, it is reasonable to assume that your diagnosis shouldn’t play a significant role in the outcome of your life insurance application.
If it appears like your gallstone attack is not something that is likely to develop into a “chronic” situation or if you’ve had your gallbladder removed to avoid future attacks, there is a very good chance that your Biliary Colic diagnosis won’t play ANY kind of part in the outcome of your life insurance application.
Or, in other words…
Whatever “rate” you would have been able to qualify for PRIOR to being diagnosed with Biliary Colic ought to be the same “rate” you would be able to qualify for AFTER having been diagnosed with Biliary Colic.
For those who may not fall into the category of folks who have already had their gallbladder removed or just seem to have suffered from a “single” attack, it may still be possible for you to be able to qualify for a traditional life insurance policy only now it may not be possible for you to be able to qualify for a Preferred rating and/or it may be better for our to postpone your application until which point you may be better “qualified” to receive the rate that you’re looking for!
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.
This 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.
Now, will we be able to help out everyone who has been previously diagnosed with Biliary Colic?
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 if 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!