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Life Insurance with Osteomyelitis. Everything You Need to Know at a Glance!


Life Insurance with Osteomyelitis.

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 Osteomyelitis.

Questions that will be addressed will include:

  • Can I qualify for life insurance if I have been diagnosed with Osteomyelitis?
  • Why do life insurance companies care if I’ve been diagnosed with Osteomyelitis?
  • 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 Osteomyelitis?

Yes, individuals who have been diagnosed with Osteomyelitis can and often will be able to qualify for a traditional term or whole life insurance policy.  The only problem is, that because Osteomyelitis can be a very serious medical condition most life insurance companies (if not all) will want to make sure that you have made a full recovery from your infection before even considering an individual “potentially” eligible for coverage.

Why do life insurance companies care if I’ve been diagnosed with Osteomyelitis?

Essentially, there are two main reasons why a life insurance company is going to “care” if you have been diagnosed with Osteomyelitis.  The first reason they’re going to care is because Osteomyelitis is a pretty serious medical condition to be diagnosed with.  The second reason why a life insurance company is going to “care” about the fact that you’ve been diagnosed with Osteomyelitis is because, it’s not easy to develop Osteomyelitis which is why a life insurance company is going to want to know “how” this happened.

For these reasons…

We wanted to take a moment and just review exactly what Osteomyelitis is a well as highlight some of the most common symptoms/complications that can arise so that we’ll have a better idea of what exactly a life insurance underwriter will be looking for when make his or her decision about your life insurance application.

Osteomyelitis Defined:

Osteomyelitis is a term used to describe a somewhat rare and potentially serious condition whereby one’s bone becomes infected.  These “infections” can occur several different ways including:

  • Exposure via some sort of surgical procedure,
  • Trauma event whereby a bone is exposed,
  • A bacterial blood infection which is able to spread to one’s bones,
    • Most common types would include:
      • Staphylococcus,
      • Pseudomonas,
    • Or via an injection point in or around a bone.

Common symptoms may include:

  • Flu like symptoms,
  • Nausea,
  • Tenderness and/or swelling around the affected bone,
  • Heat or warmth on the skin surrounding the affected bone.
  • Lost range of motion.

Serious complications may include:

  • Bone abscess,
  • Bone Necrosis,
  • Blood poisoning (septicaemia)

Fortunately…

Doctors are usually able to treat Osteomyelitis with few complications provided that the infection is diagnosed early, and plenty of antibiotics are administered (typically intravenously).

“Which brings us to an important point that we think we ought to mention.”

First…

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!

Second…

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!

We’re just…

Trying to “prep” you for what it might be like to apply for a life insurance policy after you have been diagnosed with skin cancer… that’s it!  Which brings us to our next topic which is…

“Which brings us to an important point that we think we ought to mention.”

First…

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!

Second…

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!

We’re just…

Trying to “prep” you for what it might be like to apply for a life insurance policy after you have been diagnosed with skin cancer… 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 your first diagnosed with Osteomyelitis?
  • Who diagnosed your Osteomyelitis? A general practitioner or a specialist?
  • How many times have you ever developed Osteomyelitis?
  • Do you know how you obtained this infection?
    • Surgical procedure?
    • Accident?
    • Other infection that spread to your bones?
    • Injection point transmission?
  • How was your Osteomyelitis treated?
    • Surgical treatment?
    • Medications?
    • Both?
  • Do you still suffer from any linger affects from your infection?
  • Are you taking any prescription medications now?
  • In the past 2 years, have you been admitted into a hospital for any reason?
  • Do you have any history or drug or alcohol abuse?
  • Have you ever been convicted of a felony or misdemeanor?
  • Do you have any issues with your driving record? Issues such as multiple moving violations, a DUI or a suspended license?
  • 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?

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 Osteomyelitis.  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 Osteomyelitis will usually fall into one of two different categories that we can make some “assumptions” about that will generally hold true.

Category #1.

Will consist of those who have developed Osteomyelitis due to some kind of physical condition which is likely to pass such as an injury or a “one time” surgical procedure.  In cases like these, what we’ll generally find is that most life insurance companies are still going to be a bit hesitant about insuring someone who has suffered form Osteomyelitis.  This is why, we typically find that the “best” rate that most of these folks will be able to qualify will be a Standard rate (and even this rate can be tough to get)!

Category #2.

Will consist of individuals who suffer from some type of “pre-existing medical condition” which has caused them to develop Osteomyelitis.  In cases like these, what we’re generally going to find is that the underlying pre-existing condition, not the Osteomyelitis symptom, that is 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 a Heart Palpitation 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 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 teir 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!

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