Life Insurance with a Kidney Infection.
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 Pyelonephritis or a Kidney Infection.
Questions that will be addressed will include:
- 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’ve been diagnosed with Pyelonephritis or a Kidney Infection?
- 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 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?
What you’re generally going to find is that most life insurance companies aren’t going to “care” all that much about the fact that you have been previously diagnosed with Pyelonephritis once they’ve been able to determine that you have fully recovered from your kidney infection.
This is because…
Once, an individual has recovered from their condition insurance companies won’t have to worry about what a neglected or improperly treated kidney infection can do to someone.
This is why…
We wanted to take a moment and briefly discuss what Pyelonephritis is and highlight some of the most common symptoms/complications so that we can better understand what a life insurance underwriter will be looking for when making his or her decision about your application.
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?
Common questions you’ll likely be asked may include:
- When were you first diagnosed with Pyelonephritis?
- Who diagnosed your Pyelonephritis? A general practitioner or a specialist?
- What symptoms led to your diagnosis?
- What treatments did you receive?
- When was the last “day”, you received treatment for your Pyelonephritis?
- Did you need to be admitted into a hospital?
- Did you develop any serious complications from your Pyelonephritis?
- Have you been diagnosed with any other pre-existing medical conditions?
- Are you currently taking any prescription medications now?
- In the past two years, have you been hospitalized for any reason reasons?
- 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 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?
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!