Getting Life Insurance with Legionnaires’ Disease.

If you have legionnaires’ disease, then you might be wondering if you will qualify for a life insurance policy and if so, how will it ultimately affect the price that you’ll need to pay for your insurance?

Well if so, you’ve come to the right place!

You see, here at TermLife2Go we love to help folks with pre-existing medical conditions like legionnaires’ disease to get life insurance!  Which is why we’ve chosen to write this brief article so that we can shed some light on what the process of qualifying for life insurance after being diagnosed with legionnaire’s disease will look like, as well as provide you with a few “tips” on how to increase your odds at qualifying for a great rate!
But before we get too ahead of ourselves, let’s first just take a moment to define what exactly Legionnaires’ Disease is.

Legionnaires’ Disease defined.

Legionnaires’ disease is a lung infection that is caused by a particular bacteria known as legionella. Most people who get legionnaires’ disease will experience symptoms similar to the flu, making it sometimes difficult to diagnose.

Legionella is a disease spread through water contamination.

Treatment for Legionnaires’ Disease

Lucky for patients with legionnaires’ disease, it can be treated with antibiotics (the traditional flu cannot) which will “cure” the majority of infected individuals.

Residual Effects of Legionnaires’ Disease

Unfortunately, in some instances, Legionnaires’ disease can take a deadly turn. The people most likely to have something to worry about are people who:

  • Have a compromised immune system
  • Have compromised organs, especially kidneys
  • And/or are above the age of 70

Getting Life Insurance with Legionnaires’ Disease

The best way to apply for life insurance with legionnaires’ disease is to wait until after you heal from it. After a few months of being in the clear, life insurance companies really won’t care that you ever had legionnaires’ disease.

Impact of Residual Effects

Since it is a life insurance company’s job to analyze your risk level, then the only thing that will really matter when it comes to legionnaires’ disease is whether or not you have residual effects. If you suffered from septic shock, then this may be a problem. Other problems include organ impairment/damage, particularly of the kidneys or lungs.

Qualifying for a Preferred Rate with Legionnaires’ Disease.

Yes! It’s possible if you have no residual effects of legionnaires’ disease. If this is true and your overall health checks out, you could be on your way to getting a Preferred rate on a life insurance policy even though you once had a serious bout of illness!  You may even be eligible for a no medical exam life insurance policy as well.

That being said however, if your bout with Legionnaires’ disease has left you with some serious residual complications, what you’re going to find is that most life insurance companies are going to want to know a lot more about your situation in which case the “type” of life insurance you’ll be eligible for and the “price” that you’ll be expected to pay can and will vary widely from patient to patient.

Other Medical Things Life Insurance Companies Consider.

If you want to qualify for a preferred rate, you will have to:

  • Undergo blood work
  • Provide a urine sample
  • Have a medical exam
  • Test your blood pressure, check your weight

In addition, things that could jeopardize your preferred rate include:

  • History of diabetes in your family
  • Other family medical history issues
  • Past surgeries
  • Past addiction
  • Past or current prescription medication
  • Heart problems
  • Asthma
  • Other health complications

These are just some of the things that life insurance companies look at.


Life insurance companies will also ask you questions about your lifestyle, including questions about your hobbies, career and so on. If they think anything about your lifestyle seems to put you at a higher risk of premature death, then you may not qualify for a preferred rate, even if your legionnaires’ disease was totally harmless.

If you don’t have great health or you have complications due to legionnaires’ disease.

Then you probably won’t get a preferred rate. If your health is extremely bad or you are seen as a “high risk” by a life insurance company, you may not even qualify for a term or whole life insurance policy. In this case, you may want to consider a guaranteed issue life insurance policy which won’t require you to take a medical exam or answer any health-related medical questions.

Finding the Best Life Insurance Company & Policy.

If you are in the market for a life insurance policy with legionnaires’ disease or any other medical complication – or even if you are now entirely healthy – then you’ve come to the right place!
TermLife2Go helps individuals to find the perfect life insurance policy for them. We aren’t talking about a one-size-fits-all kind of life insurance – such a thing doesn’t exist. Instead, TermLife2Go works with individuals to make personalized life insurance recommendations.

If we consult two people with legionnaires’ disease, chances are we will make two very different life insurance recommendations.

Why is that?

Because our recommendations take many, many factors into consideration, including everything that a life insurance company will! Two different people have two different medical histories – even if they both have legionnaires’ disease – and so different life insurance companies will work for each.

We find you the best life insurance company for you!

So, what are you waiting for?  Give us a call today or visit our Life Insurance Quotes page and see what we can do for you!

Leave a Comment