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Qualifying for Life Insurance with Fistula-in-Ano

Researcher & Writer
March 30, 2020

If you've been diagnosed with a fistula-in-ano or anorectal fistula will you be able to get life insurance?

In this article we'll discuss exactly what a fistula-in-ano is and describe what the process of getting insured after being diagnosed with an anorectal fistula might look like.

What is fistula-in-ano

Fistula-in-ano is a canal that connects the anus and the perianal skin which should not be there. This canal can harbor organisms and cause infections. If you have a perianal abscess drained, then there is a decent chance you will get fistula-in-ano.

Treatment for fistula-in-ano

There aren’t many great options when it comes to treating fistula-in-ano. Some doctors will prescribe long-term antibiotic prophylaxis, especially for people who have Crohn's disease.

Another option is to surgically drain the infection. This is a pretty common treatment that can fix the problem.

Qualifying for life insurance with fistula-in-ano

Luckily, fistula-in-ano isn’t really a life threatening issue, so most people who have or have had fistula-in-ano will not only get a life insurance policy underwritten, they can actually get it at the best rate. Yes, that’s right! You can get a preferred rate class with fistula-in-ano.  You also might be eligible for a no medical exam life insurance policy as well.

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Why you might need to wait on that life insurance application

If you are currently experiencing an active infection, or you have a history of suffering from serious infections due to your fistula-in-ano, it is possible that a life insurance company may wish to postpone your life insurance application. 

When applying for life insurance you’ll need to demonstrate that you have no residual or side effects from having fistula-in-ano. 

It should be noted that getting a preferred rate isn’t a guarantee, you’ll also need to “prove” that you can meet the other requirements for qualifying for a preferred rate.  You see..dealing with fistula-in-ano is just a small part of getting approved for a preferred rate life insurance policy.

What's your risk level?

In addition to your fistula-in-ano, life insurance companies will want to know a lot of other stuff too. Life insurance companies have one objective: to find out your risk level. They do this by determining what aspects of your life could cause you to die prematurely. This includes health issues as well as lifestyle choices. Basically, anything that could lead to early death could also raise your insurance premium.

Other health issues that can impact your life insurance rates

Life insurance companies are interested in just about everything to do with your health. You’ve come to this article because you have fistula-in-ano , and thus knew it might impact your life insurance rate. However, that’s just the beginning. Here are some other things that life insurance companies will ask about:

  • Weight
  • Height
  • Past or scheduled surgeries
  • Past or current medications
  • History of mental illnesses
  • Additional health issues
  • Diabetes

What other lifestyle choices impact your life insurance rates?

Other things that can shorten your life can fall under the category of “lifestyle issues”. These are things like:

  • Do you smoke?
  • Do you use drugs?
  • Do you drink?
  • Do you have any speeding tickets of DWIs?
  • Do you like adventure sports?
  • Do you have a dangerous job?
  • Do you plan on traveling to dangerous places like Iraq, Syria, etc?

The answers you give to these questions combined with your medical history will really determine the kind of rate you will get.

Which life insurance company is best for fistula-in-ano?

This is a question we can’t really answer. Why? Because even two people with fistula-in-ano might be better off with two different life insurance companies.

Getting a Preferred Rate – or at least the best rate that you can qualify for

There are a lot of factors that come in the picture when you are applying for a life insurance policy. Fistula-in-ano is important, but not really that important in the grand scheme of things. To make things more complicated, each life insurance company looks at each of these aspects differently.

For example, one life insurance company may discriminate against someone who has recently filed for bankruptcy, while another insurance company may not even consider this fact within their underwriting guidelines.

Knowing which life insurance companies will go easy on the issues you need them to go easy on is why you should work with a licensed insurance agent.

How to find the best life insurance rate?

It’s simple, really: go to an expert. TermLife2Go works with dozens of life insurance companies and we have experience getting people with a fistula-in-ano and many other pre-existing medical conditions find the right life insurance policy at the best rate. We have one objective: to find our customers great life insurance. Luckily, we aren’t tied down to one life insurance company. This allows us to really recommend the one that’s the best for you.

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!

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