Whenever we get a call from a client who says that they have been diagnosed with Berger’s disease, the first thing that we want to know for sure is:
“Which Berger’s disease do you have?”
Do you have B-E-R-G-E-R’s disease which is a disease that affects one’s kidneys?
Do you have B-U-E-R-G-E-R’s disease which affects the small and medium blood vessels in the legs and feet?
There’s a big difference between these two diseases despite the fact that they sound very similar and are spelled nearly exactly the same!
Additionally, both of these conditions are going to face very different obstacles when it comes to getting approved for a term or whole exam required life insurance policy.
This is why we want to make sure that we’re all on the same page right from the get go!
Then once we’ve that we’ve got that sorted out…
We can then move on to learning more about the “severity” of our clients Berger’s disease so that we can get a better idea about what “types” of life insurance policies our client may or may not be eligible for, as well as what “rate” class they might receive.
Berger’s disease defined.
Berger’s disease (also known as IgA nephropathy, Iga nephritis, or synpharyngitic glomerulonephritis) is a kidney disease that is caused by immunoglobulin A (IgA) antibodies that lodge themselves into ones’ kidneys.
As a result, the glomeruli within the kidneys become inflamed, which over time, will decrease the kidneys natural ability to filter waste from a patient’s blood and can ultimately lead to total kidney failure.
Common symptoms of Berger’s disease may include:
- Cola or tea-colored urine.
- Frothy for “foamy” urine.
- High blood pressure (hypertension).
- Swelling of the hands and feet.
- Increased susceptibility of allergies.
- Mood swings.
- And an increased susceptibility to urinary tract infections (UTI’s).
While there are no known cures for Berger’s disease, there are many medications that can be used to help treat some of the common symptoms caused by Berger’s disease and thus minimize its overall effect on an individual’s daily activities.
Medications such as:
- Ace inhibitors to treat elevated blood pressure.
- Omega-3 fatty acids and Immunosuppressants may be used to reduce inflammation within the kidneys.
- And vitamin E may be used to reduce the amount of protein released in ones’ urine.
And while nearly 50% of patients who are diagnosed with Berger’s disease may one day, end up suffering from end stage renal disease (ESRD) or kidney failure, the progression of the disease, in most proceeds patients, will proceed at such a slow pace that many patients will still be eligible to qualify for a traditional term or whole life insurance policy, despite being their diagnosis.
Berger’s Disease and Life Insurance.
As we’ve just stated, applicants who have been diagnosed with Berger’s disease may still be eligible for a traditional term or whole life insurance. Unfortunately, however, they will not be eligible for a Preferred rate, and will often have to settle for what is called a “table rating”.
Table ratings are life insurance rates that fall below a Standard or Normal rating. This is important to understand because, knowing which life insurance companies offer the best pricing for “Table Rates” will often make a huge difference in the amount that you ultimately end up paying for your life insurance.
That being said…
There are 10 different “table ratings” one can qualify for depending on the severity of your pre-existing condition. This is why life insurance companies are going to ask you a series of questions to determine what “type” of risk you may or may not pose as a potential client. For those who have a more serious condition you may need to consider either simplified issue or guaranteed issue whole life insurance.
For anyone who thinks these smaller policies might be in their best interest, consider reading about our picks for the Best Final Expense and Burial Insurance Companies.
Questions that will commonly be asked to determine the severity of your condition will include:
- When were you first diagnosed with Berger’s or IgA nephropathy?
- How long have you been treating your IgA nephropathy?
- What symptoms are you currently experiencing due to your Berger’s disease?
- Have you been diagnosed with any other medical conditions or have any other medical conditions that are affecting your kidneys?
- What medications are you currently taking now?
- Over the past 12 months have you seen any changes in your overall health condition?
- How is your condition progressing? What type of outlook has your doctor given you?
- Have you ever been hospitalized for any reason in the last 2 years?
- Are you currently working now?
- In the past 12 months have you applied for or received any form of disability benefits?
From here, the insurance companies as well as us here at InsuranceBrokersUSA will generally have a pretty good idea about what “types” of life insurance policies you may or may not be eligible, in addition to what “rate” you may be expected to pay.
But it’s important to point out…
That until an actual life insurance underwriter has had the time to review your complete application, your exam results and your medical records, we simply won’t know for sure what you will and won’t qualify for.
That being said however…
Since we spend a lot of our time here at InsuranceBrokersUSA.com working with folks who are typically considered “higher” risk, we have a pretty good understanding of the internal underwriting practices of a great many life insurance companies which is why we’ll typically like to give our clients one or two choices on who we “feel” might offer them the greatest opportunity for success.
Since we operate as an independent life insurance brokerage, we’re able to work with dozens of highly rated life insurance companies all in an effort to help you find the absolutely best life insurance policy that you can qualify for.
So, what are you waiting for? Give us a call today and see what we can do for you!