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Qualifying for Life Insurance with Cerebral Palsy.

Cerebral palsy, is one of those medical conditions where it’s always tough to know for sure if a client is going to be able to qualify for a traditional term or whole life insurance policy or if they’ll need to pursue an alternative insurance product such as a guaranteed issue or simplified issue life insurance policy.

You see…

If we just look at the underwriting guidelines of most life insurance companies, we’ll see that if the client is only suffering from a “mild to moderate” case of cerebral palsy, they should be eligible to purchase a traditional life insurance policy.

But if their cerebral palsy…

Defined as a more “extensive” one, then they will most likely be denied coverage for a traditional life insurance policy and will either need to without any life insurance coverage or pursue another option which would not require them to have to qualify “medically”, such as with guaranteed issue life insurance from one of the best final expense insurance companies.

So…

Want’s the difference between a “mild to moderate” case and an “extensive” one?  Well that’s that 10 million dollar question, and the question that we ask ourselves every time we have a new client who has been diagnosed with cerebral palsy give us a call and request a quote!

And what we have found is that…

If we train our agents to have a thorough understanding of exactly what cerebral palsy is AND we work particularly hard in maintaining relationships with dozens of different life insurance companies, when it comes time to helping these more “challenging” pre-existing medical condition cases, we’ll usually be prepared to have multiple options for them to choose from!

About Cerebral Palsy (CP).

Cerebral palsy is neurological disorder that is caused by a non-progressive brain injury or malformation that occurs while the brain is developing early in life.  In fact, nearly 70% of all CP cases will be present at birth, with the remaining developing within the first 2-3 years of life.

And while, the true cause, of most CP cases remain a mystery, researchers have theorized that possible causes may include:

  • Infections during pregnancy.
  • Severe jaundice at birth.
  • Physical trauma during birth.
  • Lack of oxygen flow to the fetus during labor.
  • And Rh incompatibility between mother and child.

A few key facts one should know about cerebral palsy is that:

  • In general, no two cases will look the same which is why it’s important to complete a full life insurance application prior to making any assumptions about who will and who won’t qualify for a traditional life insurance policy.
  • CP is generally a non-life-threatening condition. This is why CP patients will generally be considered eligible for coverage assuming they’re CP isn’t too “severe”.
  • CP is a non-progress and incurable disorder. That being said however, those suffering from CP can often benefit from physical therapy techniques which can help increase ones’ mobility and coordination.

Common symptoms associated with cerebral palsy:

  • Muscular movement difficult.
    • Muscular rigidity.
    • Coordination difficulties.
    • Overactive reflexes.
    • Involuntary movements.
    • Muscle spasms.
    • Paralysis of limbs.
  • Developmental difficulties.
    • Slow developmental growth.
    • Delay in speech.
    • Failure to thrive or keep up developmentally.

Additional symptoms may include:

  • Constipation.
  • Difficulty swallowing.
  • Incontinent.
  • Teeth grinding.

Cerebral palsy and qualifying for life insurance.

As we’ve stated before, it can often be quite difficult to know for sure if an individual will be able to qualify for a traditional term or whole life insurance policy after they’ve been diagnosed with cerebral palsy.

That being said however, there are a series of questions that we generally like to ask so that we can get a better idea about the “severity” of your condition and use this information to help guide us in determining which type of life insurance policy we be the best for you.

Common questions that we like to ask:

  • How old are you now?
  • Other that your CP, have you been diagnosed with any other medical conditions?
  • Are you currently taking any prescription medications?
  • What symptoms do you suffer from?
  • Are you currently working?
  • In the past 12 months have you applied for or received any form of disability benefits?
  • How much life insurance are you considering purchasing?

So, back to that 10 million dollar question….

What would most life insurance companies consider a mild to moderate case?

In our experiences, most life insurance companies will consider someone a  “mild to moderate” case if that individual is living independently, without any developmental issues and is also working full or part time.

So… if this describes you, you’ll generally be eligible for a traditional life insurance policy and would likely qualify for what is called a table rate.

A table rate, is a life insurance rate that falls just below a Standard or Normal rate and are generally reserved for those that would be considered a “higher” risk applicant.

In total, there are 10 different table rates one can qualify for with Table A being the best (lowest price) while Table J would be considered the worst (highest price).  The good news for those suffering from a mild case of cerebral palsy, there is a good chance that you may qualify for a Table A rating.

For those suffering from a more moderate or severe case of cerebral palsy, it is possible that you too may qualify for a traditional life insurance policy only that you would probably qualify for a lower or more expensive table rate.

But that’s not something…

That you necessarily need to worry about, because that’s what we’re here for.  You see for us, it doesn’t matter how “severe” your cerebral palsy disorder is, it’s not going to prevent us from doing our job, and it’s not going to prevent us from doing working as hard as possible to help you find the 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!

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