Meningitis is a temporary illness, but it can get pretty bad. The question is: can meningitis be so bad that it impacts life insurance eligibility? Keep reading to find out everything you need to know about applying for life insurance with meningitis.
What is Meningitis?
The meninges are like a covering for your brain and spinal cord. When they get infected, it becomes meningitis.
The first thing you should know is that there are viral and bacterial meningitis. It can be transmitted the same way any other bacterial or viral infection can be:
- Not washing hands
- Sharing drinks/food
- Being in close contact with someone who is infected
This will depend on how you got meningitis and what type it is. Viral meningitis is more common than bacterial meningitis.
Remember: we are not doctors or medical professionals. We’re just a bunch of life insurance agents. If you have real medical concerns, you should see a doctor. We do not consider any of this to be medical advice!
Symptoms of Meningitis.
There are many different symptoms, and again they depend on which kind of meningitis you have.
People with viral meningitis tend to lose energy and want to sleep a lot. They get a fever and don’t feel like eating.
People with bacterial meningitis feel nauseous, get headaches, and have a change in their mental state.
Can meningitis be deadly?
Unfortunately, yes. Bacterial meningitis can result in death which is why it is absolutely important that you see a medical professional.
Getting life insurance with meningitis.
This can be tricky if you currently have meningitis. In order to qualify for a traditional term or whole life insurance policy which will require you to take a medical exam, you should be fully healed from meningitis.
Most life insurance companies will typically prefer that individuals wait at least six months to a year after they’ve recovered from their meningitis before they’ll consider your life insurance application.
Now if you currently suffering from meningitis…
It’s going to be pretty difficult (if not impossible) for you to qualify for a traditional term or whole life insurance policy, especially if it is bacterial meningitis. In cases like these, it may make sense to consider purchasing an alternative life insurance product such as a guaranteed issue life insurance policy which won’t require an applicant to be able to “medically” qualify.
Now if you do not currently have meningitis…
And you show absolutely no signs of residual effects, then you should theoretically be able to qualify for a traditional term or whole life insurance policy. Or we should say, meningitis won’t be the thing that could disqualify you from being able to qualify for coverage. In fact, you may even be eligible for a no medical exam life insurance policy as well!
Before you get too excited…
Remember that a life insurance company needs to find out all potential threats to your mortality. If they think there is something that could lead you to die young, then you may not get underwritten for a life insurance policy – or you may not get the best rate. This is because it is their job to assess risk.
What kind of things are life insurance companies going to look at?
Life insurance companies want to analyze anything that could cause you to die early. This includes:
- Bad habits
- Dangerous hobbies/career choices
- Bad family medical history
- Prescription medications
There are a lot of things that life insurance companies will exam about you and your life. Only then will they make a decision about the kind of policy they will underwrite, at what rate, and for what benefit amount.
If you want to find the best life insurance…
Then you need to consider your circumstances in their entirety. You cannot single out “that one time you had meningitis” – that’s just a miniscule part of the equation, particularly if you recovered. Instead, you need to take everything into consideration and then find the life insurance company that can underwrite the best policy for you.
It’s kind of complicated…
Because there are so many variables, finding a great life insurance policy – and being sure it’s great – is rather difficult. That’s why you need to turn to an expert like TermLife2Go.
TermLife2Go has the experience you’re looking for…
We help people just like you. People who suffer from meningitis or any other combination of medical issues and lifestyle choices. We work with dozens of notch life insurance companies.
Once we know about you…
We can make a personalized life insurance policy recommendation. It’s unlikely that we will tell you and your friend to get the same life insurance policy. That’s because we really do personalize every recommendation.
This article can’t tell you which life insurance company is great for people with meningitis. That would be entirely misleading. If two people have meningitis, chances are, there’s a different life insurance company that’s right for each of them!
Sounds confusing, but don’t worry!
We are here to help. We really do care about getting you the best life insurance policy we can. We want you to get great coverage at an affordable price so that you can provide your family with the best protection possible. We care about serving people, and making the thought of dying a little less stressful.
So rest assured. There are life insurance experts out there that care about YOU.
So, what are you waiting for? Give us a call today or visit our Life Insurance Quotes page and see what we can do for you!