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 Renal Artery Stenosis.
Questions that will be addressed will include:
- Can I qualify for life insurance if I have been diagnosed with Renal Artery Stenosis?
- Why do life insurance companies care if I’ve been diagnosed with Renal Artery Stenosis?
- 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 Renal Artery Stenosis?
Yes, individuals who have been diagnosed with Renal Artery Stenosis can and often will be able to qualify for a traditional term or whole life insurance policy.
The only problem is…
That simply knowing that an individual has been diagnosed with Renal Artery Stenosis isn’t going to be enough information for a life insurance underwriter to be able to make his or her decision.
This is because…
Suffering from Renal Artery Stenosis is a very serious medical condition that can cause one to suffer from a wide variety of different complications. Each of which can have a significant effect on what “type” of life insurance policy you may or may not be able to qualify for as well as what “price” you may end up having to pay for your life insurance.
Which is why…
You may want to consider avoiding applying for a no medical exam term life insurance policy as well, seeing how these policies tend to be more difficult to qualify for after someone has been diagnosed with a pre-existing medical condition like Renal Artery Stenosis.
Why do life insurance companies care if I’ve been diagnosed with Renal Artery Stenosis?
Probably the easiest way to understand why most top life insurance companies are going to “care” if you have been diagnosed with Renal Artery Stenosis is to simply take a moment and actually define what Renal Artery Stenosis is as well as highlight some of the most common symptoms/complications associated with this disease.
By doing so…
Not only will we have a better understanding of why a life insurance company will be interested in learning more about how “serious” your condition is, we’ll also 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.
Renal Artery Stenosis Defined:
Renal Artery Stenosis is a medical condition whereby the arteries that carry blood to one or both of the kidneys begin to narrow. This is a disease that is most commonly seen in older people and is usually associated with atherosclerosis or the hardening of one’s arteries.
Common symptoms may include:
- Edema, especially in one’s lower extremities.
- Fluid retention,
- Increased high blood pressure despite medications designed to lower it.
Serious complications may include?
- Renovascular hypertension,
- Kidney failure,
- Pulmonary edema,
There are things that one can do to help improve their situation after having been diagnosed with Renal Artery Stenosis. Things such as:
- Maintaining a healthy weight,
- Eating healthy foods,
- Reducing one’s salt intake,
- Remaining physically active,
- Avoiding alcohol and caffeine,
- And not using any tobacco or nicotine products,
Individuals may benefit by taking a variety of different medications, including ACE inhibitors, Diuretics, Beta Blockers, and/or Calcium blockers, as well as possibly undergoing renal angioplasty and stenting or actually having a renal artery bypass surgery performed.
“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 Renal Artery Stenosis… 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 Renal Artery Stenosis?
- Who diagnosed your Renal Artery Stenosis? A general practitioner or a specialist?
- What symptoms led to your diagnosis?
- Have you been diagnosed with any other pre-existing medical conditions?
- Have you been diagnosed with kidney disease?
- Have you ever suffered from a heart attack or stroke?
- Are you currently taking any prescription medications?
- What are your current height and weight?
- In the past 12 months, have you used any tobacco or nicotine products?
- In the past two years, have you been hospitalized 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 many variables that can come into play when trying to determine what kind of “rate” an individual diagnosed with Renal Artery Stenosis. 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 Renal Artery Stenosis will usually fall into one of two categories that we can make some “assumptions” about that will generally hold true.
The first group that we’ll encounter will be those who have been diagnosed with Renal Artery Stenosis absent any serious or significant complications. These individuals will have diagnosed their condition somewhat early and be actively treating their condition in an effort to either minimize the symptoms they are currently suffering from or slow down the progress of their disease.
In cases like these…
What you’re generally going to find is that these individuals may be able to qualify for a traditional life insurance policy; however, it’s safe to say that they will be considered a “high risk” applicant. And won’t be able to qualify for a Standard or better rate. Which means that they will likely have to sett for a table rate, probably somewhere around a Table D-H.
Are life insurance rates that are typically reserved for “higher risk” applicants and range from Table A, which would be considered the “best” or least expensive table rate, all the way to Table J which would be considered the “worst” or most expensive table rate.
Will consist of individuals who have been diagnosed with Renal Artery Stenosis and DO suffer from significant complications or some other “type” of pre-existing medical conditions. In cases like these, while it still may be possible to qualify for a traditional life insurance policy, most applicants will need to seek an alternative product like a Guaranteed Issue Life Insurance Policy.
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!