Life Insurance with Proteinuria.
In this article, we wanted to take a moment to answer some of the most common questions we get from folks applying for life insurance with Proteinuria.
Questions that will be addressed will include:
- Can I qualify for life insurance if I have been diagnosed with Proteinuria?
- Why do life insurance companies care if I’ve been diagnosed with Proteinuria?
- What kind of information will the insurance companies ask me or be interested in?
- What rate (or price) can I qualify for?
- What can I do to help ensure that I get the “best life insurance” for me?
So, without further ado, let’s dive right in!
Can I qualify for life insurance if I’ve been diagnosed with Proteinuria?
Yes, individuals who have been diagnosed with Proteinuria can and often will be able to qualify for a traditional term or whole life insurance policy.
The only problem is…
That simply knowing that you have been diagnosed with Proteinuria isn’t going to be enough information for most life insurance companies to make their decision about your application.
This is why…
Prior to being approved for a traditional life insurance policy, one should expect to have to answer a series of medical questions about your Proteinuria which will all be designed to learn more about “why” you have been diagnosed with Proteinuria and whether or not your Proteinuria might be a symptom of some other more serious pre-existing medical condition.
Why do life insurance companies care if I’ve been diagnosed with Proteinuria?
The main reason why a life insurance company is going “care” if you’ve been diagnosed with Proteinuria is that even though this condition can occasionally occur in perfectly healthy individuals, it’s typically only seen in those suffering from some type of disease.
This is why…
We wanted to take a moment and discuss what Proteinuria is as well as highlight some of the most common symptoms/complications that can occur with this illness so that we might gain a better understanding of what a life insurance underwriter will be looking for when making his or her decision about your life insurance application.
Proteinuria is a term used to describe a condition when an individual has a greater than normal amount of protein in their urine. Now, some protein in one’s urine is normal, and on occasion someone might have an elevated amount of protein in one’s urine as well, however, for the most part, being diagnosed with Proteinuria will usually indicate that someone has something else wrong with them that is causing this condition to occur.
Potential causes may include:
- Those that are relatively harmless and/or temporary:
- Excessive exercise or activity levels,
- Emotional stress,
- Recent exposure to a cold or flu.
- Those that may be more serious in nature:
Symptoms of Proteinuria may include:
- Foamy or frothy urine,
- Swelling in one’s hands, feet, or face.
Serious complications may include:
- Pulmonary edema,
- Kidney disease,
- Increased risk of infection.
For those suffering from “mild” or “temporary” Proteinuria, its possible that no treatment may be necessary. As for those suffering from more “serious” cases of Proteinuria or are suffering from Proteinuria as a direct result of some other “kind” of pre-existing medical condition, treatment for this “underlying” cause may be required.
“Which brings us to an important point that we think we ought to mention.”
If you think you have a medical issue, don’t use the internet to diagnose yourself. After all, if you do and you’re correct, you’re still going to need to see the doctor, and if you’re wrong, the time you spend being your own doctor could really harm yourself!
Nobody here at IBUSA is medically trained, and we’re certainly not doctors. All we ware is a bunch of life insurance agents who just happened to be really good at helping individuals find and qualify for the life insurance that they’re looking for. So please don’t mistake any of the medical information that we talk about as medical advice because it’s not!
Trying to “prep” you for what it might be like to apply for a life insurance policy after you have been diagnosed with Proteinuria… that’s it! This brings us to our next topic, which is…
What kind of information will the insurance companies ask me or be interested in?
Common questions you’ll likely be asked may include:
- When were you first diagnosed with Proteinuria?
- Who diagnosed your Proteinuria? A general practitioner or a specialist?
- What symptoms (if any) led to your diagnosis?
- Do you know what’s causing your Proteinuria?
- Have you been diagnosed with any other pre-existing medical conditions?
- Have you been diagnosed with Diabetes?
- Have you been diagnosed with kidney disease?
- In the past two years, have you been hospitalized for any reason?
- Are you currently working now?
- In the past 12 months, have you applied for or received any form of disability benefits?
What rate (or price) can I qualify for?
As you can see, there are many variables that can come into play when trying to determine what kind of “rate” an individual diagnosed with Proteinuria. This is why it’s almost impossible to know what kind of “rate” you might qualify for without first speaking with you directly.
That said, however…
Most individuals who have been diagnosed with Proteinuria will usually fall into one of three different categories that we can make some “assumptions” about that will generally hold true.
The first group that we’ll possibly encounter will be those suffering from either a very mild case of Proteinuria or a case that is caused by some kind of “temporary” condition. In situations like these, an individual may be able to qualify for a traditional life insurance policy, and given the right advice combined with some fortunate timing, they may even be able to qualify for a Preferred rate!
Individuals who fall into this category will suffer from a “moderate” case of Proteinuria, absent any “serious” pre-existing medical conditions like uncontrolled Diabetes or previous kidney damage.
In cases like these, an individual still might be able to qualify for a traditional life insurance policy only now it’s pretty safe to say that they’re generally going to be considered a “higher risk” applicant which means that they probably won’t be able to qualify for anything better than a Standard rate (if they’re lucky).
The last group that we’ll commonly encounter will be those who have been diagnosed with a severe case of Proteinuria combined with someone other “serious” pre-existing medical condition.
In cases like these, what you’re generally going to find is that most life insurance companies (if not all) are going to deny you’re application which means that you’ll need to seek out an “alternative” product like a Guaranteed Issue Life Insurance Policy, if you still wish to seek out some coverage.
The good news is…
That regardless of your situation, we here at IBUSA can help because we have tons of experience helping folks with all sorts of pre-existing medical conditions like yours and are committed to helping all of our clients find the “best” life insurance policy that they can qualify for. This brings us to the last topic that we wanted to take a moment and discuss, which is…
What can I do to help ensure that I get the “best life insurance” for me?
In our experience here at IBUSA, what we have found that usually, the folks who seem to find the “best” life insurance policy for them are those that:
- Take their time reviewing their options.
- Ask a lot of questions.
And seek out those life insurance agents who not only have experience working with individuals who have been diagnosed with a wide variety of pre-existing medical conditions but also have access to dozens of different life insurance companies so that when it comes time to helping a more “challenging” case, they don’t have to rely on a…
“One size fits all approach!”
The good news is that this is exactly what you’re going to find here at IBUSA!