If you have ever had empyema or currently have it, then you may be wondering if it will impact your life insurance eligibility and how. The good news is that qualifying for life insurance with empyema doesn’t have to be a stressful or difficult situation; all you need is some expert advice and… TermLife2Go is here to help!
To get started just read this article about what will happen when you apply for life insurance with empyema or just give us a call.
What is Empyema?
Empyema is a gathering of pus between the lungs that generally happens due to pneumonia. It can happen during or after pneumonia.
What are the Symptoms of Empyema?
When the sickness first starts, it is called “simple empyema”. This is the best time to treat empyema, but also the most difficult time to diagnose it. During this time, you may experience symptoms like:
- Shortness of breath,
- A dry cough,
And other symptoms that are associated with a whole gamut of illnesses, hence the reason it’s difficult to diagnose. However, if you have just had pneumonia, then this should be a consideration.
Later in the illness, it’s called “complex empyema”. During this time, it’s going to be difficult to breathe, and you may feel intense chest pain. Some people lose weight due to complex empyema killing their appetite.
Getting Life Insurance with Empyema.
If you have totally overcome empyema and have zero residual effects, then it should not impact your life insurance eligibility at all. In fact, some people may still be able to qualify for a preferred rate with empyema.
What if I still have empyema?
We suggest that you get it treated immediately. That’s the first thing! But, as far as life insurance is concerned…it’s probably a good idea to wait until it’s cleared up (particularly for those suffering from complex empyema) to get a life insurance policy because the last thing you want to do is “get” denied by a life insurance company simply because you choose to apply at the wrong time!
Now you could choose to…
Apply for a life insurance policy that won’t require a medical exam or ask any health-related questions (AKA a guaranteed issue life insurance policy), however, these types of life insurance policies will typically contain a waiting period called a “graded death benefit”. Graded death benefits will prevent your guaranteed issue life insurance policy from covering “natural” causes of death. For this reason, guaranteed issue life insurance policies are generally not a “great” idea for individuals suffering from empyema and simply waiting until you’ll truly be eligible for a traditional term or whole life insurance policy is usually the better option.
But… let us be clear…
It is possible to get a life insurance policy with empyema, but you may not get the best rate out there. However, there are some life insurance companies that work with people with empyema…so your best bet would be to just give us a call to find out what will be best for you.
When Empyema leads to Sepsis or other complications.
This is when empyema gets to be a real big problem. Sepsis or a collapsed lung are extreme complications of empyema. This could possibly impact your life insurance eligibility or at the very least your rate. If you overcome empyema and sepsis, then you will be able to get life insurance at a great rate; no worries!
Beyong Empyema: What else do life insurance companies care about?
There are a lot of things that life insurance companies care about besides empyema. Those things are basically anything that could put your mortality at risk. If it might cause you to die prematurely, then life insurance companies care about it! This includes everything from health to lifestyle.
Health Issues Life Insurance Companies Care About:
- Mental Sickness
- HIV or other STDs
- Previous Cancer
- Heart Issues
- Blood Issues
- Blood Pressure
- Autoimmune Disorders
- Rare Diseases
- Immunity Problems
- Family Health Issues
- Prescription Medications currently in use
The list really can go on and on…
Lifestyle Issues Life Insurance Companies Care About:
- Drug Use
- Speeding and reckless driving tickets (including DUIs/DWIs)
- Career (is it dangerous)
- Travel Plans (going to a war zone)
- Hobbies (are they dangerous)
These are some of the other things that life insurance companies care about – and most of these things are more important than empyema that is in the past with no residual effects.
Finding Life Insurance.
You need to consider not just empyema, but ALL of these things when applying for life insurance. And life insurance companies will weigh each of these factors differently; which is why it is hard for an individual to know which life insurance is right for him/her.
A person with empyema and high blood pressure will probably find one life insurance company is right for them…but for a person with empyema and a felony charge, that life insurance policy may be totally wrong for them!
That’s why you need custom life insurance solutions.
TermLife2Go helps individuals find life insurance specifically fit for their situations. We do this by finding out everything a life insurance company will want to know. Then, we use our vast knowledge of the life insurance policies offered by dozens of the best life insurance companies in the US. So regardless of what type of pre-existing medical condition you may or may not have been diagnosed with, just give us a call and we’ll do our very best to help you out!
So, what are you waiting for? Give us a call today or visit our Instant Life Insurance Quotes page and see what we can do for you!