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Qualifying for Life Insurance with Endometriosis

Here at InsuranceBrokersUSA, we’ll frequently receive calls from individuals who are concerned that their endometriosis diagnosis may potentially affect the outcome of their life insurance application.

This is why…

We’ve chosen to write this brief article so that we can help “shed” some light on what the process of getting approved for life insurance after being diagnosed with endometriosis will look like, as well as, provide our clients some helpful tips on how to secure the “best” life insurance policy that you can qualify for.

Now, there’s a lot to know…

So, don’t get to overwhelmed; and remember, if at anytime you get confused or has any questions, you can always feel free to just give us a call, after all, that’s what we here for!

About Endometriosis

Endometriosis is a medical condition that can only effect woman, and is when endometrial cells overproduce in or near the uterus. They can also grow on nearby organs. These growths can be painful and may lead to infertility or fertility issues.

Symptoms of Endometriosis

If you are one of the lucky ones, you will have no symptoms at all. You may not even know you have endometriosis until a doctor tells you (if you ever find out at all!). However, if you do get symptoms, it’s likely to be pain in the lower abdomen/pelvic area during your menstruation cycle. Other symptoms may include:

  • Pain during sexual intercourse
  • Pain during bowel movements
  • Fertility issues

Endometriosis while Applying for Life Insurance

The good news is that while endometriosis can be a difficult problem for women to live with and manage, it is unlikely that it will cause any problems for you while applying for life insurance.

The reason for this is because, life insurance companies, are generally only really worry about sicknesses or disorders that may cause premature death; the chances of that happening with endometriosis are very, very small.

So… if that’s the case, what do I have to worry about?

Now it is true that most life insurance companies aren’t going to be all that worried about insuring someone who has been diagnosed with endometriosis, however, there are some situations where the treatment you’re your endometriosis may present a problem while applying for life insurance coverage.

Situations such as:

  • Recent or upcoming surgical procedures.
    • In general, life insurance companies are going to want to postpone or delay making any decisions on a life insurance applicant that has recently had a surgery performed (3 months or less) or has an upcoming surgery scheduled.
  • Pain medications prescriptions.
    • Certain pain medications that may have an inherent risk for abuse or addiction may also raise alarm for some life insurance companies which is why it’s important to know what medications you’re currently taking prior to applying for life insurance coverage.

Other things a Life Insurance Company will want to know

Endometriosis is just one part of the puzzle. A life insurance company has to find out just about everything about your medical history/records. This includes, but is not limited to:

  • BMI
  • Family medical history
  • Personal medical history
  • Past and pending surgeries
  • Have you had cancer, stroke or a heart attack?
  • Has anyone in your family had cancer, a stroke, or a heart attack?
  • Medications, past & present
  • Have you had diabetes
  • Do you have HIV/AIDS
  • Any other medical problems

Life insurance companies will ask you to undergo a medical exam (unless you choose to apply for a simplified issue life insurance policy which won’t require a medial exam), do blood work and provide a urine test for more term and whole life insurance policies.

If you cannot provide those or have any major medical complications, then you can opt for a guaranteed issue life insurance policy.

In addition to knowing about your medical state, life insurance companies will want to know about your lifestyle and habits. This includes things like:

  • Do you smoke?
  • Do you use marijuana?
  • Do you use any other drugs?
  • Do you engage in any adventure sports like surfing, paragliding, skydiving, etc?
  • Do you plan to travel to conflict areas like Syria, Iraq, Yemen, etc?
  • Do you have a high-risk job (i.e. roofing, fishing, police officer, construction, heavy machinery operator, truck driver)

These will all impact your eligibility and the premiums a life insurance company is willing to underwrite. In fact, these things will probably impact your life insurance eligibility much more than endometriosis, which, in the eyes of life insurance companies, isn’t really that big of a deal.

How to Find the Best Life Insurance Policy

In order to know which life insurance policy is the best for you (and which life insurance company), you need to take all of the above into consideration. There is no one-size-fits-all when it comes to life insurance. We cannot even say which life insurance company is right/best for women with endometriosis – because that is just one factor!


We would recommend that you give us a call here at InsuranceBrokersUSA.com so that we can give you a personalized recommendation based on your situation and your needs. Whether you are completely healthy aside from endometriosis or you have other medical issues or lifestyle choices that may impact your life insurance premiums, we will work our hardest to find you the best life insurance policy that you can qualify for.

So, what are you waiting for? Give us a call today!


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