Recognized mainly as a critical problem of gastroesophageal reflux disease or GERD for short, Barrett’s esophagus is among those pre-existing ailments which may considerably worsen what might normally be an uncomplicated and simple life insurance policy.
GERD Barrett’s esophagus (GERD) and problems that can occur
In having a good understanding of the reason why getting diagnosed with Barrett’s esophagus (GERD) could become a problem, it’s essential to have an understanding of precisely what these different diseases are, and how they may possibly manifest into a problem where even purchasing a small life insurance policy could become a difficult situation until it is taken care of.
Gastroesophageal Reflux Disease (GERD)
GERD or Gastroesophageal reflux disease is known as a persistent digestive illness, in which stomach acid moves from the abdomen back to the esophagus where it produces a burning sensation generally known as heartburn. This regurgitation afterward brings about irritation to the lining of the esophagus which if not treated or left uncontrolled may go on to grow into an ailment called Barrett’s esophagus .
People in many cases are diagnosed as having GERD instead of periodic heartburn or acid reflux whenever their case worsens from periodic attacks to a far more regular and severe occurrence.
The great news in this…
Is that in many scenarios, in which ones’ GERD is just a hurting inconvenience , and hasn’t developed into something really serous such as Barrett’s esophagus, then, there is still a great possibility that you you’ll be able to qualify for a Preferred or Preferred Plus rate category provided you are you would otherwise be eligible.
Furthermore, you might also qualify for a simplified issue life insurance policy as well, which would enable you purchase a life insurance policy without having to undergo a medical examination!
That being said however, it should be noted that simplified issue life insurance policies will generally be more difficult to qualify for than a traditional term or whole life insurance policy which is why we only reserve these types of life insurance policies for the very healthy.
Is a medical condition that can develop in those individuals who suffer from “severe” cases of GERD. In these cases, the regular cells lining of the esophagus will become so damaged by continual gastroesophageal reflux that they start to assume the shape of intestinal lining of an individual. Luckily, just 10% of those battling with GERD will go on to suffer from Barrett’s esophagus.
Barrett’s esophagus turns into a problem for life insurers because while it is very uncommon, people afflicted the ailment will have a greater chance of getting cancer of the esophagus (though not up to 1% ), and this unluckily is an extremely deadly type of cancer .
But before we get too upset or neverous…
We want to stress that it is very unusual for individuals to develop esophageal cancer once you have been diagnosed with Barrett’s esophagus, but that doesn’t mean that a life insurance underwriter isn’t going to be worried about the “potential” risk.
On this account, as soon as it has been established that the condition of your GERD is critical enough to make you get Barrett’s esophagus, you’ll usually discover that the insurance providers will certainly ask you numerous questions concerning your GERD to enable them to really know what kind of “risk” you might present.
Common questions you’ll likely be asked, may include:
- When were your first diagnosed with GERD or Barrett’s esophagus?
- For how long have you been treating your condition?
- What medications (if any) are you presently applying to take care of your GERD?
- Have had to undergo any kind of medical or surgical treatments for your condition?
- Have you at any time experienced any esophageal tissues test positive for cancer or be identified as pre-cancerous?
Having provided satisfactory answers to these questions…
The insurance providers will usually have a very good notion about what “type” of life insurance coverage policy you’ll qualify for and also the “rate class” you will probably be eligible for.
The great news if you have been diagnosed with Barret’s esophagus and, there is no evidence of cancer , you may still be able to for a Preferred or Preferred plus rate!
The only distinction here is…
For people who have been detected as having Barrett’s esophagus, we’ll generally recommend that they initially attempt applying for completely underwritten term or full life insurance coverage which will need them to undergo a medical examination, instead of applying for a simple problem life insurance plan that won’t demand a medical examination mainly because in several circumstances, a totally underwritten term or full life insurance coverage will be simpler for somebody to be eligible for, if they are already afflicted with a health condition such as Barrett’s esophagus.
To get further information about…
The kinds of life insurance coverage policies that you might be eligible for and also get an overall idea on how much your life insurance coverage will cost, we suggest that you get in touch with us a call and give us just a few minutes to review all of your options with you.
We are an independent life insurance brokerage firm working with many extremely regarded insurance firms all for the sole purpose of helping you get the best life insurance coverage you are eligible for, therefore, why waste more time, get in touch with us today and let’s see how we can help you
So, what are you waiting for? Give us a call today and see what we can do for you!