Finding the right life insurance company is not easy when it comes to certain ailments. For many people with serious diseases the only choice for coverage will be with one of the top final expense insurance companies. To find out whether you can find life insurance with focal segmental glomerulosclerosis you can give us a call today or continue reading below.
Life Insurance with Focal Segmental Glomerulosclerosis
Applying for life insurance requires a good look at your medical records. If you have any kind of medical problem, past or present, life insurance companies are going to investigate. Depending on how serious the condition, sometimes the medical problem will result in a life insurance company denying coverage. Other times, you may not be considered a risk. So what about with focal glomerulonephritis? Don’t give up just yet; some people still get high risk life insurance policies with focal glomerulonephritis.
Focal Segmental Glomerulosclerosis and Life Insurance
What is focal glomerulonephritis?
There are many filters in your kidney that help clean your bloodstream. Focal glomerulonephritis is an inflammation of these filters. This will disrupt the way your blood gets filtered. Sometimes focal glomerulonephritis occurs on its own, and other times there is a root cause.
A life insurance company will also consider the causes of your focal glomerulonephritis:
- Bacterial endocarditis: infection that can also impact the heart. This will definitely alarm a life insurance provider, not because of the focal glomerulonephritis, but because of the potential damage to your heart.
- Post-streptococcal glomerulonephritis: This may be temporary and easy to recover from as it is an infection post- strep throat.
- Viral infections: Many viral infections can cause glomerulonephritis. The type of viral infection may alarm a life insurance company. Hepatitis B and C can both cause this, and life insurance companies will want to learn more about your prognosis for either of those.
Other causes include:
- Immune diseases
- High blood pressure
- Kidney disease
These causes will all be further investigated by life insurance companies. It is important to remember that it’s not always the glomerulonephritis that concerns life insurance providers, but also the cause and the damage.
If you have any kidney scarring, then life insurance companies will probably be concerned. Any time the functionality of a major organ is disrupted, life insurance companies will take a closer look at the issue.
Can I qualify for a standard rate?
If you have had an acute case with full recovery then it is very possible for you to qualify for a standard rate policy. Your chances are higher of qualifying for the best rate if you have recovered from the disease at least six months prior. For those who have a chronic form of the illness you may need to consider final expense or burial insurance.
What will a life insurance company ask me?
When you apply for life insurance, you will likely be asked to take a life insurance medical examination. This will help you to qualify for a traditional life insurance policy. A no medical exam life insurance policy will often come with more restrictions and lower face amounts.
When you have glomerulonephritis, a life insurance provider will also ask you a series of questions which may include all or some of the following:
- When were you diagnosed?
- What complications have you had?
- What was the cause?
- Were you hospitalised?
- Are you or were you receiving dialysis?
- What was your plan of treatment?
- Are you currently being treated?
- What is your weight?
- Have you suffered from kidney failure?
- What is your blood pressure?
- Do you suffer from too much protein in your urine?
- Have you had any lab tests done in the last six months? If so, please share them
- Do you have any scarring of the kidneys?
- Do you have any other health problems?
- What is your doctor’s prognosis?
Which life insurance company is best for people like me?
It is impossible to make a blanket statement and endorse one life insurance company as “the best” for focal glomerulonephritis patients. The reality is, one of the best life insurance companies might be a good choice. However, there are many other factors that go into making a life insurance recommendation.
For example, two focal glomerulonephritis patients may have very different lifestyles. One may smoke but may exercise three times a week. The other might be a non-smoker who paraglides professionally. Companies will treat these two cases very differently, which is why proclaiming one company as the go-to company for focal glomerulonephritis patients does not work. Instead, we recommend you contact TermLife2Go to get an expert opinion.
TermLife2Go is a third-party organization with no allegiance to any particular life insurance group. We do, however, work with dozens of the top life insurance companies in the United States. Because we are an autonomous group, we are free to make recommendations based on your exact situation and needs rather than out of any kind of corporate pressure. We believe in pairing policy seekers with the best types of life insurance policies that are right for them. We want you to have the best coverage possible. We consider everything from your medical history to lifestyle choices to budget. We then make some recommendations, and you make the ultimate choice. We specialize in working with unique cases such as patients with focal glomerulonephritis.
If you would like to know how we can help you obtain the right life insurance policy, then contact us today for a free consultation.
Thank you for reading our article, Life Insurance with Focal Segmental Glomerulosclerosis. Please leave any questions or comments below.
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