In this article, we will answer some of the most common questions we receive from people applying for life insurance with Pyelonephritis or a Kidney Infection.
We will address the following questions:
- Can I qualify for life insurance if I have been diagnosed with Pyelonephritis or a Kidney Infection?
- Why do life insurance companies care if I have been diagnosed with Pyelonephritis or a Kidney Infection?
- What kind of information will insurance companies ask me or be interested in?
- What rate (or price) can I qualify for?
- What can I do to ensure that I get the best life insurance for me?
Without further ado, let’s dive in!
Can I qualify for life insurance if I’ve been diagnosed with Pyelonephritis or a Kidney Infection?
Yes, individuals who have been diagnosed with Pyelonephritis can and often will be able to qualify for a traditional term or whole life insurance policy. In fact, many may even be able to qualify for some of the best no exam term life insurance policies at a Preferred rate!
The only problem is…
That because suffering from a kidney infection can potentially cause someone to develop some pretty significant complications, most (if not all) of the top-rated life insurance companies are going to want to see that you have completely recovered from your Pyelonephritis before making any kind of decision about your life insurance application.
Why do life insurance companies care if I’ve been diagnosed with Pyelonephritis or a Kidney Infection?
Life insurance companies care about your medical history, including any past diagnoses of Pyelonephritis or Kidney Infection, because it can impact your life expectancy and overall health. Insurance companies use this information to assess the level of risk you represent and determine the appropriate premium for your policy.
After all, pyelonephritis and Kidney Infection are both serious medical conditions that can lead to long-term health complications if not properly treated, and the presence of these conditions may indicate underlying health issues that could increase the likelihood of future medical problems or even premature death!
This is why, insurance companies will want to make sure they are taking on an acceptable level of risk when issuing life insurance policies. So, if you have a history of Pyelonephritis or Kidney Infection, the insurance company may require additional medical underwriting, such as a medical exam or request for medical records, to better understand your current health status and determine the appropriate premium for your policy.
Let’s now take a moment and breifly define what pyelonephritis is so that we can gain a better understanding of what insurance underwriters may be concerned about.
Pyelonephritis or Kidney Infection Defined:
Simply put, Pyelonephritis is a type of urinary tract infection (UTI) that has “spread” from one’s urethra or bladder all the way to ones’ kidney.
Symptoms may include:
- Flu-like symptoms,
- Pain in the back, side or groin,
- Foul-smelling, cloudy, dark or bloody urine,
- Frequent urge to urinate,
- Painful urination.
Serious complications may include:
- Renal or perinephric abscesses,
- Renal vein thrombosis,
- Papillary necrosis,
- Kidney failure,
- Emphysematous Pyelonephritis.
Even though Pyelonephritis is considered a very serious infection, not all cases will require hospitalization. In those cases, where one can treat themselves at home, Ciprofloxacin or Cipro will typically be prescribed.
“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 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 Pyelonephritis… 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 applying for life insurance with a history of Pyelonephritis, the insurance company will likely ask you several questions to better understand your medical history and current health status. Some of the information they may request or be interested in includes:
- Date of diagnosis: The insurance company will want to know when you were first diagnosed with Pyelonephritis and if you have had any recent flare-ups or treatments.
- Treatment history: They will also ask about your treatment history, including medications prescribed and any hospitalizations or surgical procedures related to your condition.
- Symptoms: The insurance company may ask about any symptoms you experience or have experienced related to Pyelonephritis, such as fever, pain in the back or side, or frequent urination.
- Medical history: The insurance company may request your complete medical history, including any other medical conditions you have been diagnosed with, as well as any medications you are currently taking.
- Lab test results: The insurance company may request lab test results related to your Pyelonephritis, such as urine tests, blood tests, or imaging tests like CT scans or ultrasounds.
The insurance company will use this information to evaluate your overall health and determine the level of risk you represent. Depending on the severity of your condition and the results of any medical underwriting, they may offer you a policy at a higher premium or require additional underwriting, such as a medical exam.
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 Pyelonephritis. 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 been diagnosed with Pyelonephritis will usually fall into one of three different categories that we can make some “assumptions” about that will generally hold true.
The first group of folks that we’ll likely encounter when trying to help someone who has been previously diagnosed with Pyelonephritis will be those that are currently treating their kidney infection or have just recently been cured (less than one year since the last date of treatment).
In cases like these…
What you’re typically going to find is that most (if not all) life insurance companies are going to want to POSTPONE someone’s traditional life insurance application until one year since their last date of treatment. Clients who find themselves in this predicament will either need to wait or possibly pursue an alternative product such as a Guaranteed Issue Life Insurance Policy or an Accidental Death Policy, until they may be eligible for traditional coverage.
Folks in this group will be those who have recovered from their Pyelonephritis over a year ago and did not suffer from any serious complications as a result of their disease. In cases like these, what you’re typically going to find is that most (if not all) life insurance companies aren’t going to use this previous Pyelonephritis diagnosis as a reason to discriminate against someone.
Which means that whatever “rate” you might have been able to qualify for PRIOR to being diagnosed with Pyelonephritis should be the same “rate” you will be able to qualify for AFTER being diagnosed with Pyelonephritis.
The last group that we’ll commonly encounter when trying to help someone that has been diagnosed with Pyelonephritis will be those who did end up suffer from some serious complications due to their kidney infection. In cases like these, what you’re usually going to find is that the “complication” will ultimately become the deciding factor on whether or not you will be able to qualify for a traditional life insurance policy and what price you’ll end up having to pay.
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?
If you have been diagnosed with Pyelonephritis and are looking to get life insurance, there are a few things you can do to help ensure that you get the best policy for your needs:
- Work with an experienced insurance agent: An experienced insurance agent can help you navigate the application process and find the best policy options for your specific situation. They can also help you understand the underwriting process and what to expect from the insurance company.
- Provide accurate and complete information: Be sure to provide accurate and complete information about your medical history, including any past diagnoses, treatments, and medications. Providing incomplete or inaccurate information can delay the underwriting process or even result in a denied claim.
- Follow your doctor’s recommended treatment plan: Following your doctor’s recommended treatment plan can help manage your condition and reduce the risk of future complications. This can also demonstrate to the insurance company that you are taking your health seriously and actively working to manage your condition.
- Improve your overall health: Taking steps to improve your overall health, such as eating a balanced diet, exercising regularly, and quitting smoking, can help lower your risk and improve your chances of getting a better rate on your life insurance policy.
- Consider a guaranteed issue policy: If you have been denied coverage or are unable to get coverage due to your medical history, a guaranteed issue life insurance policy may be an option. These policies do not require medical underwriting and are typically available to anyone who meets the age requirements. However, they often come with higher premiums and lower coverage amounts.
Fortunately, we here can help, all you need to do is give us a call!