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Purchasing Life Insurance with Cystitis or UTIs

Researcher & Writer
March 31, 2020

Its probably safe to say that he vast majority of folks who suffer from the occasional bout of cystitis or urinary tract infections (UTI) probably fail to mention that or even think about mentioning them when it comes time to applying for a life insurance policy.

In fact, the only real times they actually seem to get discussed is when they “REALLY” become an issue and even then, they’re typically referred to as some other “type” of infection rather than just a UTI. Just know that certain pre-existing conditions can wreak havoc on your life insurance application.

About Cystitis

Cystitis is defined as an inflammation of the bladder that is usually caused by some type of bacterial infection.  In most cases, these bacterial infections will be relatively harmless and easily treatable, serious health problems can occur if the infection is able to spread to ones’ kidneys (pyelonephritis).

Cystitis can also be caused by reactions to certain medications, radiation therapy, and/or other environmental irritants.

Symptoms and treatment options

Common symptoms associated with a typical cystitis or UTI infection will include:

  • A persistent feeling or urge to urinate.
  • A burning sensation while urinating.
  • Hematuria.
  • Cloudy, urine that has a strong odor.
  • Pelvic discomfort.
  • Low-grade fever.

If the infection begins to spread to ones’ kidneys, individuals may begin to experience:

  • Pain on one side or back pain.
  • A high fever.
  • Vomiting or nausea.

Antibiotics are typically prescribed to help treat/cure ones cystitis.

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Cystitis and Life insurance

When it comes to applying for a term or whole life insurance policy with a pre-existing medical history of having the occasional bout of cystitis, or urinary tract infections, you’re generally going to find that most insurance companies aren’t going to consider these “infections” a big deal.

In fact, in most cases, you should still be eligible to receive a Preferred or Preferred Plus rate class when applying for life insurance coverage, assuming that you would meet all other requirements.


If you have an extensive, pre-existing history medical history of having routine UTI’s spread into your kidneys, it’s quite possible that you may no longer be eligible for a Preferred rate class and may need to settle on a Standard or lower rate.

Now if this describes you…

You’re probably better off taking a look at our article that focuses more exclusively on infections within the kidney’s because these folks will also potentially be eligible for a Preferred rate, provided that they know “when” to apply for a traditional term or whole life insurance policy and “which” insurance company is most likely to them the best opportunity for success.

Options available to those with just routine cystits and UTI infections

At this point we just want to take a moment to introduce an option that will be available to those who only suffer from the occasional bouts of cystitis.  This option is called a simplified issue policy, which is no exam life insurance and is generally reserved for those who are “pretty” healthy and don’t have any serious pre-existing medical conditions.

Simplified issue life insurance policies

Simplified issue life insurance policies are life insurance that will allow you to qualify for them without having to take a medical exam.  These “types” of life insurance policies will ascertain your health status by:

  • Asking you a series of medical-related questions.
  • Ordering a prescription database check.
  • Reviewing your Department of Motor Vehicle (DMV) history.
  • And checking for any criminal background information as well.

The advantages of applying for a simplified issue life insurance policy are that:

  • You don’t have to take a medical exam or be poked by a needle.
  • The approval process can take as little as 24 hours vs 2-3 weeks for a traditional term or whole life insurance policy.
  • By not taking a medical exam, you may potentially avoid any unwanted medical discoveries which can be uncovered during your exam.

And lastly for those who have been putting off buying a life insurance policy for years, because they didn’t want to go through all that “hassle”, you can now complete your applicant in less than 20 minutes and then just wait to see what happens!

The potential drawback to a simplified issue life insurance policy…

Is that they may not always be the “most” affordable option (but it’s going to be close a lot of the time) and if you’re not super healthy, these policies, on occasion can be more difficult to qualify for than a policy that will require you to take an exam.

What is that?

Because simplified issue life insurance policies, won’t require you to take a medical exam, the insurance underwriters are going to have less information to base their decisions upon.  For this reason, there will be times when an insurance underwriter will choose to “err on the side of caution” and choose to deny someone who would easily qualify for a traditional life insurance policy that would require a medical exam.

Is this a big deal?

Nope, because we here at TermLife2Go offer both types of life insurance policies.  So… when it comes time to helping you find the best life insurance policy that you can qualify for the only thing that we care about is make you happy!

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

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