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Qualifying for Life Insurance with Cystic Fibrosis

Researcher & Writer
August 04, 2017

When it comes to helping folks who have been diagnosed with cystic fibrosis, only real question that we need to ask is:

“How old is the person that we’re talking about?”

This is because when it comes to qualifying for a traditional term or whole life insurance policy that will require an applicant to be able to “medically” qualify, those who have been diagnosed with cystic fibrosis simply won’t be eligible.

The good news is…

That there are alternative life insurance products that won’t require an individual to have to “medically” qualify for them, unfortunately however, these “types” of life insurance policies are usually reserved for those who are at least 40 or older.

About Cystic Fibrosis.

Cystic Fibrosis is a hereditary disorder that effects the exocrine glands causing the body to produce excessively thick mucus which ultimately leads to blockages within the:

  • Pancreatic ducts.
  • Intestines (both small and large).
  • And the lungs.

As a result, those suffering from cystic fibrosis will often experience:

  • A chronic “wet” cough that is often accompanied with blood.
  • Diarrhea and/or steatorrhea.
  • Constipation.
  • Heartburn.
  • Pulmonary hypertension.
  • Shortness of breath.
  • Developmental delay and/or slow growth.

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Treatment options.

Unfortunately, there is no known cure for cystic fibrosis there are however treatment options that are designed to help ease ones’ symptoms and potentially reduce some of the more serious complications associated with having cystic fibrosis.

Medications that are commonly prescribed will include:

  • Antibiotics.
  • Anti-inflammatories.
  • Mucus-thinning agents.
  • And inhaled bronchodilators.

Cystic fibrosis and alternative life insurance options.

One “type” of insurance product that will be offered to individuals who have cystic fibrosis will be what is called an accidental death insurance policy.  These are policies that will provide a death benefit if the insured dies from an accidental cause of death.

Accidental death policies will not provide a death benefit for anyone who dies from a “natural” or “illness based” cause of death which is why these “types” of insurance policies are not “true” life insurance policies.

Now just because you’ve been diagnosed cystic fibrosis doesn’t mean that you can’t die from an accidental cause like a:

  • Slip and fall.
  • Motor vehicle accident.
  • Victim of crime.
  • Natural disaster.
  • Ect, etc..

But that being said, this article wasn’t written to discuss the potential advantages or disadvantages of purchasing an Accidental Death insurance policy.  This article was written to discuss potential life insurance products someone with cystic fibrosis may be able to qualify for.

Now for those…

Who are looking for a life insurance policy that will provide coverage for “natural” or “illness based” causes of death as well as, “accidental” causes of death, they’ll need to pursue what are called guaranteed issue life insurance policies.

Guaranteed Issue Life Insurance Policies.

Guaranteed issue life insurance policies a life insurance policies that will basically approve anyone regardless of their current medical condition provided that they meet the 3 minimum requirements.  Which are:

  • First, you need to be a US citizen.
  • Second, you need to meet the age requirements to apply (40-85).
  • And lastly, you need to live in a state where the policy is offered.

And that’s it!

But before you get too excited, it important to understand that guaranteed issue life insurance policies will have some pretty significant disadvantages that may be a “deal breaker” for some.

3 Main Disadvantages with most guaranteed issue life insurance policies.

Disadvantage #1.

Low coverage limits.  Most guaranteed issue life insurance policies are only going to provide around $25,000 dollars in coverage.  So… if you’re looking for more than $25,000 dollars in coverage, there’s a pretty good chance that a guaranteed issue life insurance policy may not be the right fit for you.

Now it is possible to purchase several different guaranteed issue life insurance policies so that your total amount of insurance coverage can be greater than $25,000 in coverage, but as you’ll see this can become pretty expensive, pretty quickly.

Disadvantage #2.

Dollar for dollar, guaranteed issue life insurance policies will general cost more per unit of coverage than any other type of life insurance policy.  That being said however, if this is the only type of life insurance policy that you can qualify for, is this really a disadvantage or simply a fact of life?  We’ll let you be the judge on that one.

Disadvantage #3.

Guaranteed issue life insurance policies will contain a graded death benefit clause, which is a clause that will limit exactly when your guaranteed issue life insurance policy will begin providing a death benefit in the even that you die from natural causes.

In our opinion, graded death benefits are clearly the biggest disadvantage in purchasing a guaranteed issue life insurance policy.  However, if they did not exist, it simply would not be possible for a life insurance company to be able to offer a policy that doesn’t require a medical exam or ask any health-related questions.

Totally confused?

Don’t be, just give us a call and we’ll be more than happy to answer any questions you may have and if possible help set you up with a fantastic guaranteed issue life insurance policy!


For those who would like to get an idea about how much their life insurance might cost before speaking with an agent, we would recommend that they check out our Final Expense Life Insurance Quotes page when you have a few moments to spare.

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