Whenever you have a health concern, qualifying for a traditional term or whole life insurance policy can “potentially” become a bit more “tricky” than those who don’t have any pre-existing medical conditions.
But not all health problems…
Are assessed in the same manner.
“So how do life life insurance companies view glaucoma?”
“Will it be harder to get life insurance?”
If you’re wondering these things, then you’re in the right place! In this article, we’ll help you navigate your way through qualifying for life insurance with glaucoma, and hopefully provide you with a few tips that may help you save some money on your insurance after you’ve been approved!
With that said…
Let’s begin our discussion by defining exactly what Glaucoma is.
Glaucoma is a disease that impacts a person’s sight. Here’s how it normally happens:
- Fluid builds up in the eye
- Fluid in the eye causes pressure
- The result: damaged optic nerve
Glaucoma is fairly common for persons over sixty.
Symptoms of Glaucoma.
The main symptom of glaucoma is loss of eyesight. This can start in a number of ways, including seeing light, obstructed vision, tunnel vision. Your eyes may also:
- Feel pain
- Look red
- Be hazy
Treatment for Glaucoma.
There are three main treatments for Glaucoma:
- Eye Drops
- Laser Surgery
- Micro Surgery
Outcome for Glaucoma.
You will not regain eyesight or loss of vision no matter which treatment you use. However, treatment is to help you maintain your remaining eyesight. Most of them time, treatment successfully helps people to do that.
This is why it is important to see a doctor immediately if you think you have glaucoma.
Remember: we are not medical experts and this is not medical advice. We are life insurance experts and that’s it. If you need medical expertise, please see a doctor. If you have or think you may have glaucoma, please see a doctor.
Qualifying for Life Insurance with Glaucoma.
The earlier you find out you have glaucoma, the earlier you can treat it, and the less damage that will be done. This is good not only for your eyesight, but also your insurance.
You see, if you…
Have fully recovered from glaucoma and have little to no residual symptoms/loss of eyesight, you can qualify for a preferred rate. You may even qualify for a no medial exam life insurance policy as well!.
It is important to remember a life insurance company will consider your other health issues (if any) as well as your lifestyle choices (do you smoke, drink, have a driving record, etc). These things will also factor into your life insurance eligibility.
Now if you…
Have gone fully blind due to glaucoma, then you may not get a preferred rate on a term or whole life insurance policy. However, there may be a few companies who can offer you this, should you have outstanding health otherwise. If you want to know more about this, call Just Bury Me today.
If your condition falls somewhere in the middle (have some loss of eyesight but not that much) then you’ll still likely get a good rate, supposing everything else checks out.
Other things you need to know about getting life insurance.
As mentioned, glaucoma is just the beginning. Life insurance companies want to know a whole lot more about your health, including:
- Blood pressure
- Other major health problems
- Family medical histories
Basically, life insurance companies want to make sure your health checks out. In order to get a term or whole life insurance policy, you’ll likely have to:
- Undergo a physical
- Provide blood work
- Have a urine analysis
If you think that you may not do very well, or if you know you have other health issues besides glaucoma, then don’t worry; you’re not out of luck just yet.
Consider purchasing a Guaranteed Issue Life Insurance Policy.
Now this may not be the best life insurance coverage out there, but it’s a pretty solid option for someone who isn’t in the greatest health. The best part is that there’s no way you can be turned down provided that you meet the minimum requirements which include:
1st Being a US citizen.
2nd Falling into the require age limits.
3rd Living in a state where these “types” of life insurance policies are available.
Notice, we didn’t say anything about our current health status. And that’s because, even if you are extremely sick or have been given six months to live…you can still qualify! (Just be sure to ask about the Graded Death Benefit Clause before purchasing your guaranteed issue life insurance policy).
We know there’s a lot to consider…
That’s why your best bet for a great life insurance policy is speaking with an expert. The good news is that here at InsuranceBrokersUSA, we work with dozens of life insurance companies and we’ll do our best to find you a great policy that offers you super coverage.
Your family matters. You want to protect them when you’re gone. And you can. All you have to do is let us do the hard work to find you the life insurance policy that offers you the most life insurance coverage at the most affordable price.
So, if you are in the market for great life insurance coverage, then leave it to us! To get started, all you have to do is pick up the phone!