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Qualifying for Life Insurance with Chorea (Sydenham’s Disease).

Are you looking to purchase life insurance but have Sydenham’s? If so, you probably have a lot of questions about the process. There are some things you’ll definitely want to know before you try applying for life insurance with Sydenham’s disease.

The good news…

Is that we can help!  We have a ton of experience helping folks with pre-existing medical conditions like Sydenham’s disease qualify for traditional life term and whole life insurance policies.

But before we can determine exactly what “type” of life insurance policy you’ll be eligible for and what “price” you may be expected to pay, there are few things that we need to discuss first so that we can get a better idea of “what” will and won’t be important during your application process.

So, with that said…

Let’s first take a look at exactly Sydenham’s disease is and how it may play a significant role in determining the outcome of your life insurance application.

What is Sydenham’s Disease?

First off, it’s important to understand that “Sydenham’s disease” can go by a lot of different names.  Names such as:

  • Vitus Dance
  • Sydenham’s chorea
  • Sydenham’s disease
  • Rheumatic Chorea
  • Chorea minor

And for the most part these “various names” will be used interchangeably to describe pretty much the same thing.

So, what is it?

Similar to Huntington’s Disease (but still different), Sydenham’s is a neurological disorder that affects coordination and communication between the brain and face, hands, and feet.

How does it happen?

People get Sydenham’s as the result of an infection during childhood. Most children develop Sydenham’s within six months of having the infection. This can be caused by:

  • Streptococcus,
  • Or rheumatic fever

Treatment for Sydenham’s.

The first thing to do is to treat the illness of streptococcus or rheumatic fever. Then, some drugs or therapy may be prescribed for movement problems. However, there is not a drug that specifically puts an end to Sydenham’s – all treatment for Sydenham’s are to treat symptoms rather than cure.

Recovering from Sydenham’s.

Yes, it’s entirely possible for someone to recover from Sydenham’s disease. In fact, about half of the people who get it will recover in a matter of months. Usually, recovery is spontaneous and not necessarily associated with any treatment.

Getting Life Insurance with Sydenham’s.

If you have had Sydenham’s in the past, but have fully recovered, then guess what? You are eligible for life insurance!

What rates will you get?.

As someone totally recovered from Sydenham’s, with no complications at all, you are eligible for the best possible table rate A-C. This is great news. Of course, keep in mind, other health or lifestyle factors may bump down your rate. But if you have pretty good health and make good lifestyle choices, you’ll be in Table Rate A-C.
For the 50% who do not recover right away…

If you didn’t spontaneously recover from Sydenham’s disease and still show signs and symptoms, then it will be harder – but not necessarily impossible – to qualify for a traditional term or whole life insurance policy.

How will life insurance companies underwrite?

Insurance underwriters are going to look at what complications you may or may not be experiencing as well as any “recurring issues” you may be suffering from.  If they seem pretty bad, then you will may be declined a traditional life insurance policy.

But wait…

You may still be eligible for a guaranteed issue life insurance policy which won’t require you to take a medical exam or answer any health-related medical questions.

Now this may…

Not be as great as a term or whole life insurance policy, but it’s still a great option for someone who doesn’t qualify for any “traditional” life insurance products.

At this point we…

Do like to remind folks that guaranteed issue life insurance policies will have a graded death benefit for the first two years. Which means that if you die (due to an “natural cause of death) in the first two years of your policy, your guaranteed issue life insurance policy will not pay the death benefit to your beneficiaries.

Sound complicated?

Don’t worry, if it looks like a guaranteed issue life insurance policy is all you’ll be able to qualify for, we’ll take plenty of time to make sure you’re fully aware of all the Pros and Cons of the guaranteed issue life insurance policy you may be considering.  At this point, we just want to make sure that you’re aware that guaranteed issue life insurance policies will have a graded death benefit and they could “affect” your decision on whether or not you want to purchase these types of life insurance policies.

Finding the right life insurance policy

When you apply with Sydenham’s or any other medical problem, it’s not about getting life insurance, it’s about getting the right life insurance!

As we mentioned, recovered patients will be eligible for Table Rates A-C…but your goal should be to qualify for a Table A.  This is because Table A rates will generally be the least expensive which can really save you a lot of money over the life of your policy.

 So…

Which life insurance companies are going to offer that to you? That’s the real question!   Now it’s easy to find a good life insurance policy, but not so easy to find a great one…That is, if you go at it alone.

Get professional help.

TermLife2Go is the team you want in your corner when you go to find life insurance. We are never biased and we help people with complicated – and not so complicated – situations to find really great life insurance at a great rate. We want all our clients to get the most coverage at the most affordable price. And we work hard to do just that!

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

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