We here at TermLife2Go have chosen to write this article so we can “shed” a little light on exactly what the process of qualifying for life insurance after being diagnosed with diplopia will look like and provide our clients with some general tips on how to secure the “best” life insurance policy that they can qualify for.
Diplopia is essentially seeing double. Now, there are many various causes for seeing double, some of them serious and some of them not!
When it comes to qualifying for a traditional term or whole life insurance policy, what we’re really going to need to know is….
“Why have you developed diplopia?
Getting Life Insurance with Diplopia: Finding the Cause
The first thing you need to do before you apply for life insurance with diplopia (and for the sake of your health!), is to find the cause of your diplopia. Only then can you know how having diplopia will impact your eligibility.
Causes of Diplopia
There are many causes for diplopia, including but not necessarily limited to the following:
Cornea Issues: Some people have diplopia due to damage of the cornea.
Cataracts: This is a problem of the lens that may cause diplopia. Other problems of the lens can also cause diplopia. (In this case, we don’t mean eyeglass lens – we mean a part of the eye that helps you see!).
Note: You can determine whether or not you are seeing double in both eyes by closing one eye and checking your vision. Do this for both eyes. If you are only seeing double in one eye then you may have a cornea or lens issue in one eye and not both. Seeing double in both eyes does not necessarily mean that you do not have a lens or cornea issue; you could have either of these issues in both eyes simultaneously.
Other causes: eye muscle problems (could be caused by a number of diseases including graves’ disease or autoimmune issues), nerve problems (including multiple sclerosis), or brain issues.
Will I qualify for life insurance with diplopia?
Diplopia is not an illness, but a symptom. This means whether or not you will qualify for life insurance with diplopia wholly depends on the illness or issue that is causing diplopia and not the diplopia itself.
Getting a premium rate with diplopia
If you have a non-life threatening issue that is causing diplopia – such as cataracts or cornea issues – it’s quite possible that you will qualify for a great life insurance rate with diplopia.
If you have diplopia due to diabetes, you can get a better life insurance rate with some life insurance companies…however, other life insurance companies may charge you a higher premium due to diabetes.
Diplopia due to strokes, aneurysms or brain-related issues
If the cause of your diplopia is a brain-related problem, then it may be quite tough to get underwritten for a life insurance policy. You may want to consider a guaranteed issue life insurance policy.
The one brain-related cause of diplopia that will be easier to underwrite is migraines – as long as you are sure that your migraines aren’t caused by a tumor or any other serious condition.
Other things Considered while getting life insurance
Diplopia and the cause of your diplopia aren’t the only things that will matter when you apply for life insurance. Your diplopia may not matter when you apply for life insurance, but something else might!
- Overall health
- Prescription medicine history
- Genetics – family health
- Medical history
- Past surgeries
- Diagnosed illnesses
- Mental illness
When you apply for a life insurance policy, you will likely be asked to undergo a medical exam, urine exam, and blood work. This will help your life insurance company to know more about your “risk factors”.
In addition to your medical health, life insurance companies will want to know about your lifestyle choices: do you smoke? Do you drink? Have you had DWIs? Do you use marijuana? Do you engage in adventure sports? Is your career safe? These are the kinds of things life insurance companies will want to know about before offering you a life insurance policy.
How to find the best life insurance policy possible
With or without diplopia, the best way to find a great life insurance policy at the best price is to talk to an unbiased specialist like us at InsurancebrokersUSA.com. We have no hidden agenda – or only aim is to help you find the best and most affordable life insurance policy.
How do we do it?
In addition to understanding your diplopia, we take the time to get to know everything that a life insurance company would want to know. Then, we find the life insurance policy that is most likely to offer you the best premium. We can do this because we have been working with dozens of top life insurance companies in the United States.
We understand their policies and what they have to offer. Some life insurance companies scrutinize certain medical issues or lifestyle choices harder than others; that’s why we can’t recommend the best life insurance company for people with diplopia in a single article on the internet.
We need to personalize the recommendation! Even two people with very similar diplopia may need different life insurance companies, depending on the other variables.
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!