Do you regularly get migraines? If so, then you already know that they can become a debilitating factor to your daily life, but are they also going to make it difficult for you to qualify for a traditional term or whole life insurance policy?
If you are in the process of looking for a life insurance policy and suffer from migraines, then you have come to the right place. We here at InsuranceBrokersUSA are here to help!
What are Migraines?
A migraine is a type of headache that is caused by changes within the brain. It is important to note that not all severe headaches are migraines. Some people get migraines on a regular or semi-regular basis, whereas some people may have one in their entire lifetime.
Symptoms of Migraines
Usually a migraine takes place on one side or section of the head. The pain isn’t the same for all people. Some people describe the pain as a shooting pain whereas others may call it more of a pounding. Either way, it’s extremely uncomfortable!
Other common symptoms one may experience may include:
- Sensitivity to light and pain
- Eye pain
A migraine may make it impossible to work, concentrate, or look into light. Some people find walking or opening their eyes painful as well.
If you get migraines regularly, you may be able to identify certain triggers that cause a migraine to occur. These can include things like:
- Hormone imbalance including menstruation
- Certain foods
- Caffeine or tobacco
- Secondhand smoke
- Loud noises or crowds
Another big cause of migraines is “screen time”. Looking at computers, cell phones or TV for too long is a big trigger! Even worse, quick scrolling on your phone for long periods of time can really trigger migraines fast as your eyes take time to adjust.
Migraine with Aura.
Some people who suffer from migraines has what is known as migraine with aura. This is a larger disturbance with sight, usually resulting in a blind spot in one eye’s line of sight or a halo kind of blurriness to the eyesight. Aura can be scary when experienced for the first time!
Treatment for Migraines.
There are various treatments for migraines including:
- Mapping triggers and avoiding them
- Triptan drugs
- Non-prescription painkillers such as naproxen
- Dietary supplements
- Botox injections
Qualifying for Life Insurance with Migraines.
So, long as your migraines are not the result of some underlying medical condition, then qualifying for a traditional term or whole life insurance policy after being diagnosed with migraines should not be a problem. In fact, you may even be able to qualify for a no medical exam life insurance policy as well!
That being said however….
It should be noted that in some cases, a migraine can be a result of a deeper, more serious medical problem such as a tumor. However, if you have been experiencing migraines for a long time then there is “usually” nothing to be worried about (but remember, we’re not doctors, we’re just a bunch of life insurance agents so be sure to let your doctor know about any headaches you may be suffering from).
One Year On.
Most of the time, life insurance companies will only want to know one thing: have you had migraines for a long time? If so, then no problem! This is a way to show that your migraines are just migraines – cause unknown. Most life insurance companies are satisfied so long as you have been experiencing migraines for at least one year or more.
When to Worry?
If you have had migraines for a long time, you usually won’t necessarily need to worry about them unless there is a “change” in your general migraine patterns. For example, if the pain that you feel as a result of your migraine begins to “feels different” or the frequency seems to increase, be sure to speak to your doctor so that he/she can rule out any other potential medical conditions which could be causing your pain.
Why Migraines Don’t Negatively Impact Life Insurance Eligibility.
Life insurance companies are looking for things that put you at risk of premature death. Migraines with no cause do not actually lead to premature death, which is why life insurance companies don’t mind if you have them.
Qualifying for a Preferred Rate with Migraines.
Yes, it is possible to qualify for a preferred rate with migraines so long as you have:
- A good medical record
- A great driving record
- Never been convicted of a crime
- Not smoked in 12 months
- No evidence of depression
- No evidence of alcoholism
What else do I need to know?
In addition to your migraine history, life insurance companies will want to know about your general health. This is why they will ask you to:
- Do bloodwork
- Provide urine samples
- Check your blood pressure
- Have a regular medical exam
These things help a life insurance company to assess your risk level.
They will be interested to know things about your medical history such as if you have:
- HIV or AIDS
- Heart problems
- Genetic predisposition to certain diseases
- Survived Cancer
- Had surgery
- Taken certain prescription medicine (or are taking)
And much more…
These are other things life insurance companies consider before underwriting your policy. These things could disqualify you or at least make it difficult to get a preferred rate.
Find a Life Insurance Company with Migraines.
If you are looking for the best policy with migraines you need to understand one thing: you are a sum of your parts; migraines is just one part of you and even life insurance companies know that! That’s why finding a life insurance company is a very personal experience. You can’t simply ask another migraine sufferer to recommend the best company or life insurance policy – because it may not be the best for you.
Instead, give InsuranceBrokersUSA a call. We will work with you to find the best plan for YOU. We learn everything about you that a life insurance company will. Then, we use that information to find the plan that’s best suited for you. We work with dozens of life insurance companies in the US and we only recommend a plan when we fully believe it’s right for YOU.
So, what are you waiting for? Give us a call today and see what we can do for you!