Whenever we have someone test “positive” for elevated protein levels in their urine, or have a client tell us that they’ve been diagnosed with proteinuria, we always know that the life insurance application process is probably going to get a “bit” more complicated.
Doesn’t necessarily mean that you can’t qualify for a traditional term or whole life insurance policy or that you’re going to have to pay an “arm and a leg” for your insurance!
It just means that…
Like many other individuals with other types of pre-existing medical conditions, you’re now going to need to be a bit more “careful” when purchasing your life insurance policy.
What do we mean by being by “a bit more careful”?
We’ll that’s simply, question to answer. What we mean is that instead of simply being able to just apply with any old life insurance company, you’re now going to have to be a bit more selective if you really want to get a good “deal” on your insurance.
Not all life insurance companies are going to treat folks who have been diagnosed with proteinuria the same. Which is why, it’s important to fully understand what “proteinuria” is, why life insurance companies are worried about it and how proteinuria can affect your chances at qualify for a traditional or simplified issue term or whole life insurance policy.
The good news is…
That we here at TermLife2Go are experts at helping folks with pre-existing medical conditions like proteinuria find coverage and can help walk you through the entire process. Which all begins by first defining exactly what proteinuria is and discussion why life insurance companies are concerned when they see elevated protein levels in one’s urine sample. So, without further ado…
What is Proteinuria?
Proteinuria is simply excess levels of protein in the urine. This can happen because of:
- Overproduction of protein,
- Elevated blood pressure,
- Or kidney damage,
- Side effects due to certain medications,
- And trauma.
Which is quite a laundry list when you really think about it!
Now for some…
The cause is going to be obvious. For example, some folks may know that they suffer from proteinuria because of their diabetes, or because of the medications that they are taking. They’re aware of the issue and are having their “condition” monitored.
For these individuals…
We’ll usually be more “concerned” about the underlying medical condition causing their proteinuria than the actual fact that they’ve been diagnosed with proteinuria.
But what about…
The folks who test “positive” for elevated protein levels in their urine who aren’t aware that they have any pre-existing medical condition that could be causing this “situation”?
For these folks, our first suggestion is that they:
- Visit their primary doctor and get “re-tested” and see if they really suffer from proteinuria.
From there, we also like to ask a few questions so that we might be able to determine the “cause” ourselves. This is because many times, when we have an individual test positive for proteinuria when everything else looks normal, it could be because the individual may have participated in some “strenuous” exercise the night before their life insurance examination.
And if this is the case…
We’ll usually just reschedule a new exam ourselves and remind the applicant to refrain from any strenuous exercise for at least 24 hours before their exam!
What if I really do suffer from proteinuria?
Well for people that really do suffer from proteinuria, what you’re generally going to find is that people will generally fall into one of three different categories.
Slight Excessive Protein
If you are slightly above normal, but not too much, then you can qualify for life insurance. If this is something you had in the past or it seems like a temporary problem you can even qualify for Preferred or Standard rates. Other factors will all play into the final rate a life insurance company offers you. However, you may also fall below the standard rates and into Table Rates. Here, you may be rated A, B, or C.
People with temporary proteinuria, also known as transient proteinuria will be the most likely to have a good or even great rate on a life insurance policy!
Pregnant Women and Transient Proteinuria.
This is a somewhat common symptom during pregnancy. If you had proteinuria as a result of pregnancy, then you do not need to worry at all! As long as it cleared up during your pregnancy, life insurance companies are not going to hold this against you.
Remember: not all life insurance companies will rate you the same way. That’s why it’s important to know which life insurance will work in your favor. You can do this easily by speaking to TermLife2Go.
Moderately Excessive Protein Levels.
Will generally not qualify for a preferred or even standard rate. However, you can still get a Table A-C rate. Again, other factors such as health and lifestyle choices will determine which Table rate you are offered.
Very High Protein Levels.
This usually indicates a serious problem with the kidneys and will mean that you may even have to have a kidney transplant now or at some time in the future. Due to this, you will be seen as a high-risk applicant by life insurance companies. As a result, you will likely be declined a life insurance policy.
If You Are Denied a Life Insurance Policy.
If you apply for a whole or term life insurance policy, but are not underwritten, you may think that you won’t qualify for anything. Guess again! There’s still a way to get life insurance even if you don’t qualify for whole or term life insurance.
You can get a guaranteed issue life insurance policy!
What is Guaranteed Issue Life Insurance?
This is a policy that, like the name says, is guaranteed! Even if your doctor has given you only three months to live, you will still qualify provided that you:
- Meet the minimum age requirements.
- Are a US citizen,
- And live in a state where guaranteed issue life insurance policies are offered!
There is no medical condition that will exclude you from a guaranteed issue life insurance policy.
Remember: guaranteed issue life insurance won’t give you all the same coverage as a whole or term life insurance policy but it is usually better than nothing!
Finding the Right Life Insurance Company.
Getting life insurance with proteinura isn’t just about qualifying – it’s about finding the right life insurance company that will offer you a great rate. This is especially true if you are only going to qualify for a Table Rate. Just because you fall below the standard rate doesn’t mean you want to keep falling lower and lower. You still want the best rate possible.
Your best bet is to call an expert like InsruanceBrokersUSA! We know you may have come to this article hoping we could just tell you right here which life insurance company is best for you…however, since each person is different, the answer will always be different.
Even when two people have the same pre-existing condition, a lot of other things about their health and lifestyle are going to be different. Thus, one life insurance company may be right for one, and another life insurance company right for the other.
We will help you!
We’re in the position to help you find the best life insurance for you because we work with dozens of great life insurance companies. Even though you have proteinuria, we’ll still be able to help!
So, what are you waiting for? Call InsuranceBrokersUSA today and get your free life insurance consultation.