Qualify Life Insurance Tips for Those with Angioneurotic Edema.

Angioneurotic edema (also known as angioedema, Quincke’s edema and angioedema) is a medical condition that affects nearly 1 out of every 50,000 Americans.

Characterized by swelling of the hands, feet and face angioneurotic edema is caused by small blood vessels “leaking” fluid into their adjacent tissues.  In severe cases, this swelling can also occur in the throat and bowel areas. Often, when looking for life insurance with angioneurotic edema, choosing from among the Best Final Expense and Burial Insurance Companies is a quick way to get coverage. However, there may be other options available to you, such as fully underwritten and simplified issue life insurance.

Less common symptoms of angioneurotic edema can include:

  • Difficult breathing causing feelings of light headedness.
  • Conjunctivitis.
  • Abdominal pain.
  • Malaise.
  • Diarrhea.

And while in some cases, these symptoms may provide significant discomfort, the good news is that they will not, by themselves, preclude one from being able to qualify from a traditional term or whole life insurance policy. However, many people with this pre-existing condition opt for simplified issue or guaranteed issue life insurance.

There is no known cure for angioneurotic edema.  However, it may be possible to prevent the occurrence and severity of attacks through medication and diet.  ACE inhibitors are also commonly used for those who suffer from more severe cases which can obstruct breathing airways.

Within the world of life insurance…

Insurance underwriters will generally consider those who have been diagnosed with angioneurotic edema as a “higher” risk applicant.  That being said however, angioneurotic applicants will still be eligible for coverage only at  a higher premium.

As a general rule…

You’ll find that angioneurotic applicants will typically be eligible for “Table Rates” ranging from A-C which are just a few rate classes below what would be considered a normal or Standard rate for life insurance.

The trick for your…

Life insurance agent and something that we pride ourselves on here at TermLife2Go, will be to try to determine which life insurance company will be the most likely to provide you with a higher table rating (in this case table rating A), at the lowest price.

In order to do this, we’re going to need to get a complete picture of what your life insurance application will look like, including any and all health-related issues as well as any potential “lifestyle” risk factors as well.

We accomplish this by asking you many of the same questions that the insurance companies are going to ask, only now we’re asking so that we can not only try to determine what “rate class” you’ll most likely qualify for, but also try to determine which “insurance company” is most likely going to be the “best fit” for you!

Common questions we’ll use to help us determine what rate class you may or may not be eligible for, as well as which insurance company may provide you with the best rate will include:

  • How old are you?
  • What is your current height and weight?
  • Aside from being diagnosed with angioneurotic edema, do you have any on other pre-existing medical conditions?
  • Have you ever been diagnosed with cancer, heart disease, stroke or diabetes?
  • Has any of your immediate family member (mother, father, brother or sister) ever been diagnosed with cancer, heart disease, stroke or diabetes?
  • When where you first diagnosed with angioneurotic edema?
  • How long have you been treating your angioneurotic edema?
  • Do you ever experience symptoms such as shortness of breath or abdominal pain?
  • Have you ever been hospitalized due to your angioneurotic edema?
  • What prescription medications are you currently taking now?
  • Are you currently working now?
  • In the past 12 months have you applied for or received any form of disability benefits?

Additional Questions which will examine “lifestyle” choices will include:

  • In the past 12 months have you used any tobacco or nicotine products?
  • In the past 12 months have you used any marijuana products?
  • Do you have any issues with your driving record such as a suspended license, multiple moving violations or DUI’s?
  • In the past 2 years have you participated or do you plan on participating in any dangerous hobbies such as sky diving, bungee jumping or hang gliding?
  • In the next two years do you have any set plans to travel outside of the United States? Insurance carriers are going to ask about this because many do not want to insure anyone who anticipates traveling to some dangerous locations such as North Korea, Iran, Iraq, etc…
  • Lastly have you ever been convicted of a felony or misdemeanor?

From here…

It’s simply a matter of connecting the dots and using the insurance companies own underwriting guidelines to help us determine which insurance carrier might be best for you.

We here at TermLife2Go will also, on occasion, reach out to several different life insurance companies, prior to submitting your life insurance application, to see what “rate” they think you might approved at.  We like to do this prior to actually submitting your “official’ life insurance application so that we may have a better chance of avoiding an unnecessary denial of coverage if possible!

Now it’s important to remember…

That in cases like these, nothing is for certain until after the insurance company has had an opportunity to review the results from your medical exam, and your medical records as well.  But… if we’ve already received a preliminary review of your application, many times we can avoid any unforeseen complications.

Options, options and more options…

Over the years, we here at TermLife2Go, have found that the three most important factors in providing our clients with a qualify life insurance policy that they’ll appreciate is to:

  • First, provide you with all the information they’ll need to make a qualify decision.
  • Second, don’t rush the initial application process, getting a complete understanding of your health will make all the difference in narrowing down your options.
  • And third, you’ve got to have options!

This is why we’ve worked especially hard in securing quality relationships with dozens of the top rated life insurance companies so that when it comes time to helping you find the best possible life insurance policy you can qualify for, we’re going to have plenty of options for you to choose from.

Now as we all know…

It’s one thing to talking about qualifying for a traditional term or whole life insurance policy and it’s a completely different thing actually “purchasing” a traditional term or whole life insurance policy.  So if you’d like to get a better idea about how much your insurance may cost, we would recommend that you check out our Instant Life Insurance Quotes page.

So, what are you waiting for?  Give us a call today and see what we can do for you!

Leave a Comment