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 Phlebitis.

Questions that will be addressed will include:

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

Yes, individuals who have been diagnosed with Phlebitis 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  no medical exam life insurance policy which would potentially allow them to become fully insured in less than 48 hours!

The problem is…

That Phlebitis is most commonly caused by a “thrombus” or blood clot that is formed within the vascular system which ultimately impedes normal blood flow.  And, as one can imagine any time you start talking about “blood clots” most (if not all) of the top rated life insurance companies that most of us are familiar with are going to want to learn more about your situation prior to making any kind of definitive decisions about your life insurance application.

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

The main reason why a life insurance company is going to “care” if an individual has been diagnosed with Phlebitis is because it presence can often be a symptom of a larger pre-existing medical condition which can have some pretty serious complications associate with it.

For this reason…

We wanted to take a moment and discuss what Phlebitis is as well as highlight some of the most common symptom/complications of this disease so that we can gain a better understanding of what a life insurance underwriter will be looking for when making his or her decision about your life insurance application.

Phlebitis Defined:

Simply put, Phlebitis is a term used to describe inflammation of a vein.  This inflammation is most commonly caused when a thrombus (or blood clot) become lodged within a vein this causing pain, irritation as well as possible blood flow blockage.

Symptoms may include:

• Redness,
• Swelling,
• Warmth surrounding the inflamed vein,
• Visible red “streaking” that can be seen through the skin,
• Tenderness,
• Etc…

Potential causes may include:

• A physical injury,
• Prolonged inactivity,
• Obesity,
• A sedentary lifestyle,
• Smoking,
• Cancer,
• Various blood disorders,
• Pregnancy,
• Etc…

Serious complications may include:

• An increase risk of infection or abscess formation,
• Additional blood clots,
• Post-phlebitic syndrome.

Treatment options may include…

Anti-inflammatory medications, compression stocking, blood thinners as well as a wide variety of different “self-care” options including utilizing a warm compress as well as adopting a healthier lifestyle.

“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 Phlebitis… 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 first diagnosed with Phlebitis?
• Who diagnosed your Phlebitis? A general practitioner or a specialist?
• What symptoms (if any) led to your diagnosis?
• Have you been diagnosed with any other pre-existing medical condition?
• Have you ever suffered from a heart attack or stroke?
• 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 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 Phlebitis.  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 Phlebitis will usually fall into one of three different categories that we can make some “assumptions” about that will generally hold true.

Category #1.

Will consist of those individuals who have been diagnosed with Phlebitis absent any other serious pre-existing medical condition which may be causing one to suffer from Phlebitis.  Examples may include those who have been diagnosed with Phlebitis as a result of:

• Some kind of physical injury,
• Pregnancy,
• Prolonged inactivity,
• Etc…

Which once resolved, wouldn’t necessarily make you an increase risk of suffering from this condition again.

In cases like these…

What we’ll commonly find is that your previous Phlebitis diagnosis won’t necessarily be used against you when applying for a traditional term or whole life insurance policy.  Which would mean that whatever rate you would have been able to qualify for PRIOR to being diagnose with Phlebitis ought to be the same rate that you would be able to qualify for AFTER having been diagnosed with Phlebitis.

Category #2.

On the other hand, would consist of those who have been diagnosed with Phlebitis and DO suffer from so other pre-existing medical condition which could potentially increase their risk of suffering from future cases of Phlebitis.  In case like these, what you’re likely to find is that this underlying pre-existing medical condition which is causing you to suffer from Phlebitis will be what ultimately determines what kind of “rate” that you will be able to qualify for.

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.

Now will we be able to help out everyone who has been previously diagnosed with a Blood Clot?

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 Burial Life 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!