Every now and then we’ll have a client give us a call, asking us whether or not the life insurance industry is going to care about the fact that they’ve been diagnosed with Hirschsprung’s disease, AKA Congenital Megacolon?
And in many cases…
These clients will have decided to give us a call either shortly before or immediately after they’ve chosen to have surgery to correct their condition which will typically only complicate the process of getting approved for a traditional term or whole life insurance policy.
This is why…
We’ve chosen to write this article so that we can help shed some light on what the process of getting approved for life insurance with a pre-existing medical condition like Hirschsprung’s disease. As well as hopefully provide our readers with some helpful tips which may help them save money on their “future” life insurance policy.
So, without further ado…
Let’s just take a moment a briefly describe exactly what a “congenital megacolon” is and discuss exactly why it may play a factor in the outcome of your life insurance application.
Hirschspung’s Disease/Congenital Megacolon.
Hirschprung’s disease is a congenital nerve disorder in which the nerves in the rectum and part of the colon fail to develop properly. As a result, individuals will experience difficulty passing stools.
Common symptoms of Hirschsprung’s disease may include:
- And flatulence.
Now one should not confuse Hirschsprung’s disease, which is a congenital birth defect, with toxic megacolon which is an abnormal dilation of the colon which can be caused by a variety of irritable bowel diseases simply because these are two totally different medical conditions.
When it comes to how life insurance companies are going to view any one of these conditions: Hirschsprung’s disease, congenital megacolon or toxic megacolon, certain “generalities” can be made.
Generalities such as…
Once it has been determined that you suffer from a “megacolon” regardless of the cause, you’re generally going to fall into one of two different categories:
- A treated or cured category,
- Or a non-treated category.
Now for those to be considered “treated” or “cured”…
You will need to have received a surgical treatment for your condition and routinely be at least 6 weeks removed for your actual surgical date. Individuals in this category will generally be eligible to qualify for a Preferred rate class when applying for a traditional term or whole life insurance policy assuming that they would otherwise be eligible. You may even be able to qualify for a no medical exam life insurance policy as well.
Now for those who…
Would be considered “untreated” on “not cured”, it’s not all bad news, it just means that you would not be considered eligible for a Preferred rate, instead you would most likely qualify for a “rated” life insurance rate.
Now before you get too upset, one must understand that simply because some is considered “eligible” for a preferred rate does not mean that they will be able to qualify for that rate. It just means that they are not automatically disqualified from being eligible.
For those suffering from a toxic megacolon it’s important to point out that if the underlying cause of “why” you’ve developed a toxic megacolon has not been adequately treated, there’s a really good chance that, that underlying condition will be the main factor in determining what “type” of life insurance policy you will or won’t be eligible for as well as what rate you may be expected to pay!
Now the good news…
Is that here at TermLife2Go, we have a ton of experience helping folks with a wide variety of pre-existing medical conditions qualify for great life insurance policies. And we love doing it!
When you give us a call, we’re not going to care if you were born with Hirschsprung’s disease or you’ve developed your megacolon as a result of some type of irritable bowel disease. All we’re going to focus on is helping you find the best possible life policy that you can qualify for.
We should also point out…
That because we’re talking about a condition that isn’t “too serious” there’s a very good chance that there may be some other factor on your life insurance application that may have a “bigger” impact on what “type” of insurance or rate you receive.
When it comes to qualifying for life insurance, lots of factors are going to come into play. So, in addition to factors like your current age, height/weight and health, insurance companies are also going to be interested in:
- Your family medical history,
- Whether or not you use any type of tobacco products,
- You driving record,
- Whether or not you’ve ever been convicted of a felony or misdemeanor,
- Your travel history,
- Whether or not you have a passion for any “potentially” dangerous hobbies,
So, as you can see, at the end of the day, your life insurance application is going to be a reflection of your “whole” self, not just whether or not you’ve been diagnosed with a “megacolon” in the past.
Which once again…
Stresses why it’s so important to choose to work with an insurance brokerage like TermLife2Go who will be able to pick and choose among dozens of different life insurance companies all in an effort to help you find the “best” on that meets your needs.
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!
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