Whenever we get a call from someone who has been diagnosed with Cushing’s syndrome, one of the first things that we need to determine is if the existing medical condition is being caused by an internal or external factor.
From there, we can begin to determine how “severe” the underlying root cause is and see which type of life insurance policy:
- A traditional term or whole life insurance policy.
- A simplified issue term or whole life insurance policy
- Or a guaranteed issue life insurance policy.
Is going to be right for you.
About Cushing’s syndrome.
Cushing’s syndrome also known as hyercortisolism, is a medical condition that is caused by an over exposure to high levels of cortisol for a prolonged period of time. This prolonged exposure can be cause by ones’ own body producing too much cortisol or by the over use of corticosteroid medications to treat some other medical condition.
Common symptoms of Cushing’s syndrome.
- Weight gain including classic characteristics of:
- Moon face.
- Buffalo hump.
- Striae or stretch marks on the skin.
- Thinning, fragile skin.
- Decreased ability for the skin to heal from common injuries.
- Fatigue or general malaise.
- Mood swings.
- Difficult concentrating.
- Type 2 diabetes.
Men and women may also experience symptoms unique to each gender as well.
Common symptoms for woman may include:
- Irregular menstruation.
Common symptoms for men may include:
- Decreased libido and/or erectile dysfunction.
- Decreased fertility.
Cushing’s syndrome causes.
Cushing’s syndrome is caused by an excess level of the hormone cortisol, plain and simple. What becomes the complicating factor is, why do you have an excess of this hormone?
Internal causes of Cushing’s syndrome:
The main reason why an individual would begin to produce too much cortisol is if their pituitary gland were to being to producing too much adrenocorticotropin hormone (ACTH) which is the hormone that is responsible for causing the adrenal glands to produce too much cortisol. So, the natural question then becomes…
Why is your pituitary gland producing too much ACTH?
The good news is that in most cases, when the pituitary gland begins producing too much ACTH it is generally due to a non-cancerous tumor called an adenoma. In cases like these, the adenoma can generally be surgically removed or treated with medications to prevent its growth which should then “solve” ones’ root cause for suffering from Cushing’s syndrome.
In cases like these…
You’ll generally find that most life insurance companies will be willing to provide traditional life insurance coverage provided that the individual remains free from any Cushing’s syndrome symptoms for a minimum of one year. These individuals may also be eligible for a Preferred rate provided that they meet all other necessary requirements.
External causes of Cushing’s syndrome.
External causes of Cushing’s syndrome will all center around the prolonged use of corticosteroid medications. Corticosteroid medications can be used to treat:
- Rheumatoid arthritis.
- And as an “anti-rejection” therapy technique for transplant recipients?
So… whatcha got?
If you’re Cushing syndrome has been caused by the use of corticosteroid medications, chances are the insurance companies are going to be much more interested in “why” you need to take corticosteroid medications than they will be in the fact that you’ve acquired Cushing’s syndrome.
In cases like these, Cushing’s syndrome simply becomes a “symptom” of some other condition which will first need to be considered prior to taking into account that your body is having a physical reaction to taking to many corticosteroid medications.
In cases like these…
You going to find that it’s still possible to qualify for a traditional term or whole life insurance policy, only now, we’re going to need to examine what the root cause is for needing to take corticosteroid medications and “underwrite” your life insurance policy according.
These individuals will also find it more difficult to qualify for a Preferred rate and will most likely qualify for either a Standard (Normal) rate or a Table Rate.
What is a Table Rate?
A Table Rate is a rate class that falls just below a Standard or Normal rate and is usually reserved for those applicants who are deemed a “higher” risk for life insurance. In total, there are 10 total Table Rates with Table A being the best (least expensive) and Table J being the worst or (most expensive).
Now when it comes to nailing down exactly what Table Rate you may or may not qualify for if you’ve been diagnosed with a moderate to severe case of Cushing’s syndrome, what we’re generally going to find is that most life insurance underwriters will want to review your actual medical records before they’re going to be willing to make that type of determination.
The good news is that…
Here at TermLife2Go, it’s not going to make a bit of difference to us if your Cushing’s syndrome was caused by an overactive pituitary gland or because your Cushing’s syndrome is a result of treating your rheumatoid arthritis.
“We’re still going to do try our hardest to help you find the best possible life insurance policy that you can qualify for!”
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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