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 Otitis Media.
Questions that will be addressed will include:
- Can I qualify for life insurance if I have been diagnosed with Otitis Media?
- Why do life insurance companies care if I’ve been diagnosed with Otitis Media?
- 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 Otitis Media?
Yes, individuals who have been previously diagnosed with Otitis Media 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 some of the best no medical exam life insurance companies at a Preferred rate!
The problem is…
That prior to being approved for a traditional term or whole life insurance policy, most (if not all) top-rated life insurance companies are going to want to make sure that you have made a full recovery form your infection, and understand why it is that you developed Otitis Media in the first place so that they can rule out the possibility that this infection might be a symptom of some other factor that could play a role in the outcome of your life insurance application.
Why do life insurance companies care if I’ve been diagnosed with Otitis Media?
The main reason why a life insurance company is going to “care” if you have been diagnosed with Otitis Media is that in rare cases, this infection can cause some pretty significant complications. So significant that they could even threaten the life of the patient.
This is why…
Most (if not all) life insurance companies are going to want to make sure that anyone applying for life insurance after having been diagnosed with Otitis Media has made a full and complete recovery and isn’t potentially at risk for developing this condition again.
For this reason, we wanted to take a moment and describe what Otitis Media is as well as highlight some of the most common symptoms of this disease. This way, we can get a better understanding of what a life insurance underwriter will be looking for when making his or her decision about your application.
Otitis Media Defined:
Otitis Media is a term used to describe a group of different inflammatory diseases that can affect one’s middle ear. The two main types you’ll most frequently encounter are called Acute Otitis Media (AOM) and Otitis Media with Effusion (OME).
Common symptoms may include:
- Ear pain,
- Difficult sleeping,
- Flu like symptoms,
- Feeling of fullness in the ear,
- Fluid drainage from the ear,
- Difficulty maintaining balance.
Rare, but potentially serious complications that can occur may include:
- Perforation of the ear drum,
- Infection of the mastoid, or Mastoiditis,
- Bacterial meningitis,
- Brain abscess,
- Dural sinus thrombosis.
Potential causes of Otitis Media may include:
- Cold or Flu,
- Sinus infection,
- Infected or enlarged adenoids.
Otitis Media is a condition that will typically either resolve itself on your own or will be easily treated with the use of antibiotic therapy depending on how “serious” your doctor determines your infection to be.
“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 Otitis Media… 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?
- When were you first diagnosed with Otitis Media?
- Who diagnosed your Otitis Media? A general practitioner or a specialist?
- What symptoms led to your diagnosis?
- Do you know why you developed Otitis Media?
- Do you require treatment to “cure” your Otitis Media?
- Do you suffer from any lingering effects of your infection?
- Have you been diagnosed with any other pre-existing medical conditions?
- Are you currently taking any prescription medications?
- In the past 12 months, have you used any tobacco or nicotine products?
- In the past 2 years, have you been admitted into a hospital for any reason?
- Are you currently working now?
- In the past 12 months, have you received or apply for any type of disability benefits?
What rate (or price) can I qualify for?
As you can see, there are many variables that can come into play when trying to determine what kind of “rate” an individual diagnosed with Otitis Media. This is why it’s almost impossible to know what kind of “rate” you might qualify for without first speaking with you directly.
That said however…
Most individuals who have been diagnosed with Otitis Media will usually fall into one of three different categories that we can make some “assumptions” about that will generally hold true.
Those who have been diagnosed with Otitis Media and have yet to make a full recovery. In cases like these, there still remains a chance that some unforeseen complication could arise most (if not all) life insurance companies will choose to POSTPONE your application until you can demonstrate that you are completely cured of your infection.
Will consist of individuals diagnosed with Otitis Media, who made a full recovery and did not suffer from any “severe” complications from their infection. In cases like these, what you’re generally going to find is that most (if not all) life insurance companies will simply ignore one’s previous diagnosis of Otitis Media during the application process.
Which means that…
Whatever rate you may have been able to qualify for PRIOR to being diagnosed with Otitis Media, should be the same rate that you would be able to qualify for AFTER being diagnosed with Otitis Media. Which just leaves us with our last group, which would fall into category 3.
This last group that we’ll occasionally run into includes those who have previously been diagnosed with Otitis Media and recovered, only in their cases. They did end up suffering from a serious complication resulting from their Otitis Media infection. In cases like these, what you’re generally going to find is that the “type” and “severity” of this new complication will be what ultimately determines what kind of “rate” that they might be able to qualify for (Please see our Pre-Existing Medical Conditions page for more details).
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 Otitis Media?
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.
So, if you’re ready to see what options might be available to you, just give us a call!