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Life Insurance with Endometriosis
At TermLife2Go, we are focused on finding the current carrier niches so we can offer our clients the top rated best life insurance companies and the top rated no medical exam companies in the marketplace, tailored to each client’s unique need. Our endless focus to being on top of the current trends in the insurance world allows us to find the best life insurance rates for people with Endometriosis, as well as many other diseases. To find out how we can best serve you please call us today for your free consultation.
Endometriosis and Life Insurance
Health issues affect more than just your health: they impact your family, friends, and everyday life. On top of all that, any health concern also impacts your life insurance eligibility. While you may still qualify for a policy, some health problems may cause you to pay a premium rate. Below, TermLife2Go breaks down the steps on applying for life insurance with endometriosis.
What is Endometriosis and why do life insurance agencies care?
A woman’s uterus is lined with a tissue known as endometrium. This tissue breaks down during the menstrual cycle. Occasionally, endometrium grows in other places such as the ovaries or pelvic tissue lining. However, this external tissue has no way of shedding out of the body, so it gets stuck during the break down process, causing severe pain.
Life insurance companies want to know about ALL of your medical issues, including endometriosis. The good news is that endometriosis normally doesn’t impact your life insurance approval.
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When is it difficult to get life insurance with endometriosis?
The main reason you may be subject to a premium is because of cysts in the ovaries or pelvic region. Cysts only occur in some patients with endometriosis, not all. That means, if you don’t have cysts, you have a good chance of avoiding the label of high risk life insurance and qualifying for a normal rate.
Ovarian Cancer and endometriosis
The biggest concern for patients with endometriosis is that it is known to increase the chance of ovarian cancer. However, the overall chance of getting ovarian cancer is quite low even when you have endometriosis. Life insurance companies will, however, take note if there are cases of ovarian or uterine cancer in your family. Combining genetic risk with endometriosis-induced risk is a double-whammy working against you.
What else will life insurance companies want to know?
When you apply for one of the different types of life insurance policies, the provider will first want you to get a life insurance medical exam. Without this, you will not be able to get a traditional policy. After the exam, the life insurance company will want to interview you for further information pertaining to your health status. You can expect them to ask you some or all of the following questions:
- When were you diagnosed with endometriosis?
- Have you ever been hospitalized for endometriosis?
- Have you had any surgeries for your endometriosis?
- If yes, when was the surgery and have you had any complications due to said surgeries?
- Does anyone in your family have uterine or ovarian cancer?
- How often do you visit the gynecologist?
- Has your gynecologist states any risks associated with your endometriosis?
- How severe are your symptoms?
These questions will help a life insurance provider determine the risk level associated with your endometriosis. Endometriosis is normally painful but not dangerous. The biggest red flags for life insurance companies aren’t endometriosis, but ovarian/uterine cancer running in your family, and any complications with surgical procedures. As far as surgery goes, the longer you’ve been healthy post-operation, the better for your life insurance rate.
Which insurance company is best for people with endometriosis?
Most of the time, when you have any complicated medical situation, you should avoid applying for a life insurance policy via your automotive insurance company. Companies that combine car insurance with life insurance are not typically equipped to handle medical concerns the way agencies (think TermLife2Go) solely dedicated to life insurance are.
Among life insurance companies, it is hard to make a single recommendation. There is no single one-size-fits-all life insurance company for women with endometriosis. Some life insurance companies may be better than others, but it is important to realize that other factors will come into play when you are applying for a life insurance policy.
Life insurance companies will consider your:
- Entire medical history
- Family’s medical history
- Lifestyle choices
- Career choices
- Age/weight/general health
All of these things combined will help a life insurance company determine your rate, and not all life insurance companies will come to the same conclusion.
We recommend you consult TermLife2Go to know which life insurance company will be best for your specific situation.