Life Insurance with Iritis.
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 idiopathic Iritis.
Questions that will be addressed will include:
- Can I qualify for life insurance if I have been diagnosed with idiopathic Iritis?
- Why do life insurance companies care if I have been diagnosed with idiopathic Iritis?
- 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’s dive right in!
Can I qualify for life insurance if I have been diagnosed with idiopathic Iritis?
Yes, individuals who have been diagnosed with idiopathic Iritis can and often will be able to qualify for a traditional term or whole life insurance policy. If fact, many may even be able to qualify for a no exam term life insurance policy at a Preferred rate!
The problem is…
That most (if not all) of the best term life insurance companies are going to want to make sure that “your” Iritis truly doesn’t have any “specific” cause that they might be worried about. This is cause Iritis can be a symptom of many different pre-existing medical condition, several of which can play a significant role in determining what “kind” of life insurance policy you might be able to qualify for.
Why do life insurance companies care if I have been diagnosed with idiopathic Iritis?
Like other “types” of eye infections, most life insurance companies aren’t going to be all that worried about the fact that you have been diagnosed with idiopathic Iritis provided that, this is truly what you have and your Iritis isn’t a symptom of a more serious pre-existing medical condition which could affect the outcome of your life insurance application.
This is why…
We wanted to take a moment and describe what Iritis is and highlight some of the most causes of this disease that life insurance companies will want to “rule out” before making any kind of definitive decisions about your life insurance application.
Iritis is a term used to describe an inflammation that affects one’s iris (the colored ring around the pupil of one’s eye). Iritis is also commonly referred to as a type of uveitis because the iris is part of the center of the eye or uvea.
Common symptoms may include:
- Pain within the eye or surrounding brow area,
- Sensitivity to light,
- Reddening of the eye, particularly near the iris itself,
- Blurred vision,
Serious complications may include:
- Inflammation to the retina itself,
- Calcium deposits on the Cornea (band Keratopathy),
- Optic nerve damage,
Potential causes of Iritis may include:
- Trauma or injury,
- Viral infections (Herpes zoster),
- Genetic predisposition,
- Behcet’s disease,
- Juvenile rheumatoid arthritis,
- Use of certain medications,
The good news is…
That Iritis is treatable, which is why individuals without a serious pre-existing medical condition causing one’s Iritis to develop will often be able to qualify for a Preferred rate.
“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 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 really 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 really 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 Iritis… that’s it! This brings us to our next topic, which is…
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 you first diagnosed with Iritis?
- Who diagnosed your Iritis? A general practitioner? A specialist? Or yourself?
- What symptoms (if any) led to your diagnosis?
- How many times have you suffered from Iritis?
- Do you know what may have caused you to develop this condition?
- Have you been diagnosed with any other pre-existing medical conditions?
- Are you currently taking any prescription medications?
- In the past two years, have you been hospitalized 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?
Generally, what you’re going to find is that individuals who have been diagnosed with Iritis are usually going to fall into one of two different categories.
There will be those…
Where their Iritis diagnosis isn’t going to play any kind of role in the outcome of their life insurance application because the “cause” of their Iritis was either caused by some “unknown” reason, an accident. Or it was caused by some “kind” of pre-existing medical condition.
Which has either been cured (cases where medications that caused the infection are no longer necessary) or aren’t considered too serious (think herpes zoster) that they will factor into the decision making process.
In cases like these…
What you’re most likely going to find is that whatever “rate” an individual would have been able to qualify for PRIOR to being diagnosed with Iritis should be the same “rate” that they will be able to qualify for AFTER having been diagnosed with Iritis.
“Which is great!”
As for the rest of those…
Who have been diagnosed with Iritis, where their Iritis seems to be a symptom of some other more “serious” pre-existing medical condition, what you’re likely to find is that in most cases. Now you may still be able to qualify for a traditional term or whole life insurance policy only now you’ll probably only be able to qualify for a Standard or “sub-standard” 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. 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 Iritis?
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 Final Expense 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.