Life Insurance with Neuritis.
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 with Neuritis.
Questions that will be addressed will include:
- Can I qualify for life insurance if I have been diagnosed with Neuritis?
- Why do life insurance companies care if I’ve been diagnosed with Neuritis?
- 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’ve been diagnosed with Neuritis?
Yes, individuals who have been diagnosed with Neuritis can and often will be able to qualify for a traditional term or whole life insurance policy. The only problem is, that there are a lot of different pre-existing medical conditions that can cause someone to develop Neuritis, many of which can affect the outcome of one’s life insurance application.
Why do life insurance companies care if I’ve been diagnosed with Neuritis?
The main reason why a life insurance company is going “care” if an individual has been diagnosed with Neuritis is because that it can often be a symptom of some other “kind” of pre-existing medical condition which can be quite serious. For this reason, we wanted to take a moment and discuss exactly what Neuritis is as well as highlight some of the most common symptoms associated with this disease.
Neuritis is a disease that occurs when one or more nerves within the body becomes inflamed. This inflammation can be cause by:
- Idiopathic (unknown)
- A physical injury.
- An infection.
Symptoms may include:
- Paresthesia or “pins and needles”,
- Hypoesthesia (numbness),
Treatment options for Neuritis will first focus on treating the underlying condition which is causing one to suffer from Neuritis. From there, individuals may find relief form their Neuritis by utilizing:
- Certain pain medications,
- Rest and relaxation,
- Ice and heat therapy,
Now at this point…
We usually like to take a moment and remind folks that nobody here at IBUSA has any kind of “official” 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 this one, find and qualify for the life insurance coverage that they are looking for.
Not so great if you’re looking for answers to any specific medical questions. In cases like these, we would recommend that you contact a true medical professional who has the training to help. For everyone else, you’re in luck because now we’re going to get into some of the “nitty gritty” about what you may or may not be able to qualify for.
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 Neuritis?
- Who diagnosed your Neuritis? A general practitioner? A specialist? Yourself?
- What symptoms led to your diagnosis?
- Do you know why you have developed Neuritis?
- Have you been diagnosed with any other pre-existing medical conditions?
- What treatment options did you pursue to treat your Neuritis?
- Do you currently suffer from any symptoms related to your Neuritis?
- Are you taking any prescription medications now?
- In the past 2 years, have you been admitted into a hospital for any reason?
- Are you currently working now?
- In the pas 12 months, have you applied for or received any form of disability benefits?
What rate (or price) can I qualify for?
As you can see, there are a lot of variables that can come into play when trying to determine what kind of “rate” an individual who has been diagnosed with Neuritis. This is why it’s pretty much impossible to know what kind of “rate” you might be able to qualify for without first speaking with you directly.
That said however…
Most individuals who have bene diagnosed with Neuritis will usually fall into one of three different categories that we can make some “assumptions” about that will generally hold true.
Those who have developed Neuritis due to some kind of physical injury. In these types of cases, what we’ll generally find is that most life insurance companies aren’t going to necessarily use a Neuritis diagnosis as a factor during the underwriting process if the Neuritis isn’t too severe, and the applicant isn’t using any powerful pain narcotics to manage their symptoms.
Which means that…
In cases like these, it’s quite possible that someone might be able to qualify for a Preferred rate if they are able to meet all of the other necessary requirements for such a rate.
Individuals who will fall into this category will be one’s that suffer from some type of “pre-existing medical condition” which caused them to develop Neuritis. In cases like these, what we’re generally going to find is that the underlying pre-existing condition, not the symptom of Neuritis is what’s REALLY going to determine what kind of “rate” that you’ll be able to qualify for. For more information about the condition that is causing you to suffer from Neuritis and how it may affect the outcome of your life insurance application, we would recommend that you take a look at our Pre-Existing Medical Conditions page.
The last group that we’ll commonly encounter when trying to help someone that has been diagnosed with Neuritis is the group who isn’t sure “why” they have developed their Neuritis. In cases like these, what’s generally going to happen is that the life insurance companies are going to spend a considerable amount of time trying to rule out any “potential” causes before they’ll “typically” decide to approve you at a “high risk” 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. 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!