Life Insurance with Sciatica.
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 Sciatica.
Questions that will be addressed will include:
- Can I qualify for life insurance if I have been diagnosed with Sciatica?
- Why do life insurance companies care if I’ve been diagnosed with Sciatica?
- 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 Sciatica?
Yes, individuals who have been diagnosed with Sciatica can and often will be able to qualify for a traditional term or whole life insurance policy. In fact, they may even be able to qualify for a Preferred rate!
Why do life insurance companies care if I’ve been diagnosed with Sciatica?
The main reason why a life insurance company is going to “care” if an individual has been diagnosed with Sciatica is because in some cases, suffering from Sciatica can cause someone to begin suffering from debilitating pain. Pain that may cause them to change things about their life and/or begin taking certain medications which can ultimately affect the outcome of one’s life insurance application.
This is why…
We wanted to take a moment and describe exactly what Sciatica is as well as highlight some of the most common symptoms/complications associated with this “condition” so that we might gain a better understanding of what a life insurance company will be looking for when making his or her decision about your life insurance application.
The term “Sciatica” is used to refer to pain that is caused when there is an “issue” with one’s sciatic nerve, which is a large never that runs from one’s lower back all the way down each leg.
Symptoms of Sciatica may include:
- Lower back pain,
- Pain in one’s behind or leg that only worsens when sitting,
- Hip pain,
- Shooting pain that makes it difficult to stand,
- Weakness or numbness making moving or walking difficult.
Serious complications may include:
- Debilitating pain,
- Loos of feeling and/or semi-paralysis of one’s leg(s),
- Loss of bladder or bowel control,
- Permanent nerve damage.
There are a variety of different treatment options for those suffering from Sciatica. Options such as cold and heat therapy, pain medications, chiropractic techniques, as well as certain surgical intraventions.
“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 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!
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!
Trying to “prep” you for what it might be like to apply for a life insurance policy after you have been diagnosed with Sciatica… 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?
Now as we stated earlier, the only real reason why a life insurance company is going to “care” if you have been diagnosed with Sciatica is because they are going to want to make sure that your Sciatica isn’t preventing you from living a “normal life” (whatever that is) and it’s not causing you to potentially abuse any number of different pain medications you may or may not have been prescribed.
For this reason…
What you’re going to find is that most (if not all) life insurance companies aren’t going to spend a ton of time asking you about your Sciatica. Rather, they’ll simply use a series of other questions to learn more about whether or not you’ll make an acceptable candidate for their insurance.
A series of questions that will look something like this:
- How old are you?
- What is your current height and weight?
- Have you been diagnosed with any pre-existing medical conditions such as cancer, heart disease, diabetes or depression?
- Have you ever suffered from a stroke or heart attack?
- Are you currently taking any prescription medications?
- Do you have any surgical procedures planned or has your primary care physician suggested you may need to have a surgical procedure performed in the near future?
- Have any of your immediate family members (mother, father, brother, or sister) ever been diagnosed with cancer, heart disease or diabetes?
- Have any of your immediate family members ever suffer from a heart attack or stroke?
- In the past 12 months, have you used any tobacco or nicotine products?
- In the past 2 years, have you been hospitalized for any reason?
- Do you have any issues with your drivers’ license? Issues such as multiple moving violations, a DUI or a suspended license?
- Have you ever been convicted of a felony or misdemeanor?
- Do you have any set plans to travel outside of the United States within the next year?
- Do you actively participate or plan on participating in any dangerous hobbies?
- 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 wide variety of factors that can come into play when trying to determine what kind of “rate” that an individual can qualify for. For this reason, it’s pretty much impossible to know for sure what kind of “rate” an individual might be able to qualify for without first speaking with them.
That said however…
It’s fair to say, that if you have been diagnosed with Sciatica, chances are this diagnosis isn’t going to play a role in the outcome of your life insurance application. Which means that whatever “rate” that you may have been able to qualify for PRIOR to being diagnosed with Sciatica should be the same “rate” that you would be able to qualify for AFTER being diagnosed with Sciatica.
“Which is great!”
And segues very nicely into the next topic 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 works best for folks who have been diagnosed with a pre-existing medical condition where the “severity” of the condition is often “subjective” is for the applicant to make sure that they first find a true-life insurance profession who will work as an advocate for you.
Such an agent…
Will not only help guide you through the application process but also be perfectly “frank” with you about what options may or may not be possible for you.
You’ll also want to make sure that the very same agent you have chosen has access to dozens of different life insurance companies because after all, it really doesn’t matter how “great” of a life insurance agent you might have if they don’t have access to the “best” life insurance policy for you! Now does it?
You’ll want to make sure that you’re completely honest with your life insurance agent prior to applying for coverage. By doing so, you will be helping him or her narrow down what options might be the “best”
So, what are you waiting for? Give us a call today and see what we can do for you!