Qualifying for life insurance after you’ve been diagnosed with bronchiectasis can sometimes be a tricky proposition. Particularly if your bronchiectasis has been caused by some other medical condition which may be considered much more “serious” than bronchiectasis itself.
Bronchiectasis is defined as a medical condition that affects bronchi within the lungs by abnormally widening them. As a result, these abnormally wide bronchi will tend to have a more difficult time clearing themselves of mucus (sputum) which as a result will make patients much more susceptible to infection.
Which is why…
When it comes to providing an applicant with an accurate life insurance quote after they have been diagnosed with bronchiectasis, not only are we going to need to know why they’ve developed this condition, we’re also going to need to know how well it is being managed.
Potential causes of bronchiectasis.
While it’s it possible to be born with bronchiectasis (congenital defect), most cases of bronchiectasis will be due to some type of genic disorder (cystic fibrosis) or infection such as:
- Whooping cough.
Bronchiectasis can also result due to a number of autoimmune diseases including AIDS.
Common symptoms associated with bronchiectasis may include:
- A “wet” cough.
- Difficulty breathing.
- Chest pain.
- Digital clubbing of the fingers and toes.
Bronchiectasis treatment options.
In addition to treating the actual condition which has caused one to develop bronchiectasis, there are methods in which one can help alleviate the symptoms associated with bronchiectasis such as:
- Postural drainage and chest percussion techniques.
- Flutter valve devices.
- Oxygen therapy.
- Stay hydrated.
- Avoid tobacco or other environmental factors which could exacerbate ones’ breathing issues.
- Stay well hydrated.
- Remain active.
Bronchiectasis and life insurance.
For the purposes of this article, we want to keep our discussion limited to those who are simply suffering from bronchiectasis and not try to take on every possible condition which may or may not have led one to develop bronchiectasis.
For this reason, it’s important to understand that even if your bronchiectasis is well maintained, if your bronchiectasis is due to having AIDs, having “well managed” bronchiectasis isn’t going to matter all that much to the insurance companies.
That being said however…
If you bronchiectasis is due to a previous bout with pneumonia or whooping cough, there’s a pretty good chance that you should be eligible for a traditional term or whole life insurance policy.
And if not, there are always simplified issue and guaranteed issue policies.
The key is learning a little bit more about how well your bronchiectasis is being managed prior to us being able to make any kind of assumptions about what “health” class you may qualify for.
Common questions you’ll likely be asked about your bronchiectasis:
- When where you first diagnosed with bronchiectasis?
- Do you know why you’ve developed bronchiectasis?
- How long have you been treating your bronchiectasis?
- What treatment methods are you using?
- Have you been diagnosed with any other medical conditions such as cancer, heart disease, stroke or diabetes?
- What medications are you currently taking?
- What symptoms do you have as a result of your bronchiectasis?
- In the past 12 months have you been hospitalized for any reasons?
- In the past 12 months have you used any tobacco or nicotine products?
- 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 will generally have a pretty good idea about what “type” of life insurance policy you may qualify for as well as what “health” class you may or may not be eligible for.
Now as a general “rule of thumb”…
What you’re generally going to find is that who only suffer from a mild to moderate case of bronchiectasis, most will be eligible for a traditional term or whole life insurance policy. They will simply be approved at what is called a “table rating” health class.
Table rates are health classes ranked below a “standard” rating and will generally be viewed by most life insurance companies as “higher risk” applicant.
Now for those who are suffering from a more “severe” case or are experiencing significant symptoms/infections due to their bronchiectasis, its quite possible that they may not be eligible for a “traditional” life insurance policy.
In your pursuit for the “best possible life insurance policy”, it will be important for those who have been diagnosed with bronchiectasis to understand that for them, the “best” life insurance policy will likely come from a company who:
- Has more liberal underwriting guidelines and isn’t “afraid” to insure higher risk applicants.
- And who offers the most competitive “table rating” prices.
They may also need to consider looking at some alternative “types” of life insurance policies such as simplified issue life insurance or a guaranteed issue life insurance policy from among the Best Final Expense and Burial Insurance Companies.
Now the good news is…
That because we here at InsuranceBrokersUSA have chosen to remain an independent life insurance brokerage that is able to work with dozens of different life insurance companies, we don’t have to simply “hope” that an insurance company is going to give you a great rate on your life insurance policy.
Instead, we can simultaneously “shop” your life insurance application to multiple insurance companies and have them “compete” for your business before we even consider applying for coverage.
So, what are you waiting for? Give us a call today and see what we can do for you!