If you’ve ever watched the show House MD, then you’ve heard of sarcoidosis. After all, it was a possible patient diagnosis on a number of episodes. But what is sarcoidosis? And how do people with sarcoidosis get life insurance? Is it easy? What should they expect? Let’s take a look.
We’re pretty sure Dr. House and his team used to throw sarcoidosis into the mix every time because it’s a rather “mysterious” condition. You see, sarcoidosis is defined as a disease that involves collections of abnormal inflammatory cells that create “lumps” called granulomas.
These granulomas will often begin in the lungs, skin or lymph nodes and can cause one to develop into a serious medical condition.
Symptoms of Sarcoidosis.
There are many different symptoms that can appear, which is why it’s not always that easy and straightforward to diagnose sarcoidosis. The reason symptoms are different from patient to patient is because it really depends on the organs affected. Someone who has sarcoidosis on the lungs is going to have different symptoms than someone with sarcoidosis of the liver.
Is there a cure for sarcoidosis?
Not yet. However, the disease may not be a big deal for some. In fact, with time, it often just gets better on its own. This is why a lot of people with sarcoidosis may not require any treatment at all.
If they do require treatment, it could be as basic as a balanced diet and regular liquid consumption.
Getting Life Insurance with Sarcoidosis
As you can see, sarcoidosis can vary A LOT. Someone can have very mild sarcoidosis to very severe. So, how do life insurance companies underwrite for people with sarcoidosis?
Well, if you…
Have virtually no symptoms, then you should potentially be able to qualify for a traditional term or whole life insurance policy from just about any life insurance company. In fact, you may even be eligible for a no medical exam life insurance policy as well!
Note: not all life insurance companies are the same, and you shouldn’t choose one at random. We’re just saying the majority of life insurance companies will insure someone with mild to no sarcoidosis symptoms.
You may even…
Be able to qualify for a preferred rate.
That is of course if you:
- Don’t smoke, do drugs, or have any other vices,
- Are in pretty good health,
- Have a pretty good family medical history,
- Aren’t a felon,
- And have a clean driving record.
But… not all life insurance companies will offer you a preferred rate. To find out which ones will, you’ll want to speak with an expert who is familiar with the underwriting guidelines of dozens of different life insurance companies. An expert like the ones working at TermLife2Go!
Now we can’t…
Automatically tell you which companies will offer a preferred rate until we know more about you. The company that will offer you a preferred rate may be different from the company that will offer your friend or loved one a preferred rate. That’s why we can’t just tell you here in this article!
Back to sarcoidosis…
If you have moderate sarcoidosis, then some life insurance companies may underwrite a term or whole life insurance policy but you probably won’t get a preferred rate.
If you have pretty serious sarcoidosis…
You may not even be able to qualify for a traditional term or whole life insurance at all!
Your best bet may be to look at getting a guaranteed issue life insurance policy. This will give you the opportunity to qualify for some coverage and at least have enough coverage to take care of your final expenses.
Note: guaranteed issue life insurance policies are not all the same. To find one that’s right for you, we would recommend that you give us a call so that we can not only discuss prices, we can also compare “graded death benefit” clauses so that you can be sure that the policy you choose is the right one for you.
How do you know if you’ll be denied?
Before you rule out the chance of getting term or whole life insurance, we suggest you give us a call. What if you settle for guaranteed issue life insurance when you really could have qualified for term or whole life insurance? Before you settle for less coverage at a higher price, know for sure. There just might be a life insurance company out there that’s still willing to underwrite a policy for you.
Can you find it on your own?
If you can find a needle in a haystack, you can probably find your own life insurance. But as you know, it takes either luck or A LOT of time. We’re professionals and we know this industry inside and out. That’s why we can make you personalized life insurance recommendations in no time. We’ve had so many happy clients get great coverage, that we’re sure we’ll help you find great coverage in an affordable price.
Even if you don’t qualify for whole or term life insurance policy…
We’ll still help you find a guaranteed issue life insurance that works best for your situation. We know how important it is to get life insurance coverage. After all, you don’t want your death to be a burden on your loved ones – they’ll already be going through so much emotional trauma… you might as well do what you can to alleviate the financial burden of dying.
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!
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