Life Insurance with Mononucleosis (Recovered).
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 Mononucleosis.
Questions that will be addressed will include:
- Can I qualify for life insurance if I have been diagnosed with Mononucleosis?
- Why do life insurance companies care if I have been diagnosed with Mononucleosis?
- 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 Mononucleosis?
Yes, individuals who have been previously diagnosed with Mononucleosis can and often will be able to qualify for a traditional term or whole life insurance policy. In fact, some may even be able to qualify for a Preferred Plus rate!
This is because…
Once an individual has recovered from their Mononucleosis infection, most life insurance companies aren’t going to use their previous diagnosis against them provide the don’t sustain and significant complications as a result of their infection.
Why do life insurance companies care if I have been diagnosed with Mononucleosis?
Most life insurance companies aren’t really going to “care” all that much if you have previous suffered from a case of Mononucleosis provided that you have made a full recovery. What they are going to “care” about is if you are currently suffering from Mononucleosis at the time of your life insurance application (in which case they will probably postpone your life insurance application) or if when you did suffer from a case of Mononucleosis you also experienced some of the more severe complications of this disease.
This is why…
We wanted to take a moment and discuss exactly what Mononucleosis is as well as highlight some of the most common symptoms and complications of this disease so that we can gain a better understanding of just what a life insurance underwriter will be looking for when making his or her decision about your life insurance application.
Mononucleosis or Mono is an infectious disease that is usually caused by the Epstein-Barr virus (EBV), and is commonly referred to as the “kissing disease” because it can be spread quite easily by kissing, or the sharing of drinks or eating utensils.
Common symptoms may include:
- Flu like symptoms,
- Sore throat,
- Swollen lymph notes along the neck and armpit areas,
- Skin rash,
Serious complications may include:
- A ruptured spleen,
- Kidney infection,
- Hemolytic anemia,
Other serious infections including:
This is why…
Most life insurance companies are going to want to make sure that you have made a full recovery before the will be willing to consider you as a possible client. The good news is that this condition will usually resolve itself over one or two weeks provided that you stay hydrated and give yourself plenty of rest. That is of course assuming that you don’t have any other “pre-existing” medical conditions which could exacerbate your exposure to this illness.
“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 your own 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 Mononucleosis… 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 questions you’ll likely be asked may include:
- When were you diagnosed with Mononucleosis?
- Have you made a complete recovery from your Mononucleosis?
- Did you suffer from any serious complications as a result of your Mononucleosis?
- Have you been diagnosed with any other pre-existing medical conditions?
- Are you currently taking any prescription medications?
- In the past 2 years have you been admitted to 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?
What rate (or price) can I qualify for?
Here at IBUSA, what we have found to the case most of the time when working with individuals who have been diagnosed with Mononucleosis is that as long as an individual has made a full recovery and didn’t suffer from any serious complications during their illness, most life insurance companies really aren’t going to consider this previous viral infection as part of their underwriting process.
Which means that…
Whatever “rate” that you would have been able to qualify for PRIOR to being diagnosed with Mononucleosis should be the same “rate” that you would be able to qualify for AFTER having been diagnosed with Mononucleosis.
“Which is great!”
And segues nicely into the last topic that we wanted to discuss here in this article 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 profession 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!