Do you want to know if you can get life insurance with brachial palsy in your medical history? If yes, you have come to the right place! This article will explain everything you need to know about applying for life insurance with a pre-existing medial condition like brachial palsy.
What is brachial palsy?
Often referred to as brachial plexus injury because it happens normally after an injury to the brachial plexus nerves. This is often referred to as BPI.
What is “palsy”?
You’ve probably heard this word in combination with cerebral palsy, but what does it mean? Palsy basically means paralysis of the muscles. In this case, the muscles are to do with the brachial plexus nerves.
How does brachial palsy or brachial plexus injury occur?
As the name suggests, it’s an injury. That means it can be caused by any way that injuries occur such as stabbing, shooting, or auto accidents. It also happens by less obvious injuries such as those caused by the compression of pressure put on the nerves by a tumor or through neuropathies.
Obstetric Brachial Plexus Palsy
This happens in newborns. When they are born, some pressure can be caused by the mother’s pelvic bone during delivery.
Type of Brachial Plexus Injury
The type of brachial plexus injury you have will determine your eligibility for life insurance. If you have totally recovered from BPI, then you will likely get life insurance – and you can even qualify for a preferred rate.
If you have avulsion or neurotemesis brachial plexus, it may be hard to get life insurance because both of these have very poor prognoses, making it almost impossible for your brachial plexus to repair.
If you have axonotemesis or neuroma, the prognoses are moderate…so it’s really a case to case issue.
If you have avulsion or neurapraxia, then you have a really great chance at a full recovery so your life insurance rate shouldn’t be affected at all.
The type of brachial plexus injury you have will determine your life insurance rate and eligibility.
Brachial Plexus is just the beginning!
There are a lot of other things that life insurance companies will care about besides just brachial plexus injury. These things include everything that could lower your life expectancy directly or indirectly. Directly means that the thing itself will cause you to die early, indirectly means that the thing could cause another complication that will cause you to die early.
Things that life insurance companies care about include but are not limited to:
- Driving record
- Are you a felon?
- Your career (is it dangerous like truck driving or police officer)
- Medical history
- Family Medical History
- Vices (including alcohol, drugs, marijuana, tobacco)
These are some of the main things that life insurance companies will question you about.
Finding the Best Life Insurance with Brachial Plexus…and everything else!
We know that brachial plexus is just one part of you – and life insurance companies know it too. The difficult thing is that every life insurance company views those different parts of you with varying degrees of risk. Some life insurance companies will find tobacco use as a major problem, whereas there are a few life insurance companies out there that are pretty kind when it comes to offering rates to smokers.
This is true for just about every issue that a life insurance company will look at. That’s why it is so difficult for an individual like you to find the best rate. Particularly if you’re applying for a traditional term or whole life insurance policy or no medical exam life insurance policy.
You need expert advice!
Instead of trying to figure it all out for yourself – and maybe never even being able to – then why not turn to an expert? TermLife2Go helps individuals to find the right life insurance company for them! We don’t just recommend any ol’ life insurance policy – we recommend the one that’s right for you based on your circumstance.
How do we do it?
We first take the time to get to know everything about you that a life insurance company will want to know. That includes everything that a life insurance company might find a “risk”. Then, we compare the information against dozens of different life insurance companies across the United States …and see how they’ll view you as a “total package” not just as someone who has been diagnosed with bracial palsy.
Which is why…
If two people with brachial plexus injury come to us for life insurance recommendations, chances are we will recommend different policies for each person! That’s because they are two different people! Brachial plexus is just one small part of the equation.
So what are you waiting for? Call TermLife2Go today!