When it comes to qualifying for life insurance after being diagnosed with histoplasmosis, what you’re generally going to find is that most life insurance companies will still consider you “eligible” for a traditional term or whole life insurance policy. The only issue is that they’re now going to have some specific questions concerning your diagnosis.
In general, histoplasmosis is a medical condition that many, many people get exposed to, particularly if they live in areas of the country where the fungus Histoplasma capsulatum lives. The good news is that many will be exposed to the Histoplasma capsulatum fungi, but most will not develop histoplasmosis.
That being said however…
For some, their exposure can develop into a chronic lung disease which can progressively affect a wide number of organs. For this reason, it is often difficult to know for sure what “type” of life insurance policies an individual who has developed histoplasmosis will be eligible for as well as what “rate” they may be expected to pay.
This is why…
We here at TermLife2Go, always take things “slowly” when working with individuals who have been diagnosed with histoplasmosis in the past and first start of by learning:
- What does our perspective client hope to achieve by purchasing their life insurance policy?
Are they looking to cover the cost of a mortgage, replace lost wages in the event of an early death? Or simply pay for one’s final expenses?
From there, we’ll then begin to ask specific questions about their histoplasmosis so that we can learn how “severe” their condition is and get a better idea about “which” life insurance company may provide them with the best opportunity for success.
And in order to do this…
We’re first going to need to know a little bit about exactly what histoplasmosis is and what symptoms it may cause that could become a concern for the life insurance industry.
Histoplasmosis is a lung infection caused by the Histoplasma capsulatum fungal spore. These spores grow mainly in the central, southeastern and mid-Atlantic states and thrives in damp soil that is rich in organic materials especially in droppings from birds and bats.
Common symptoms include:
- Chest pain,
- Fever chills,
- Coughing/respiratory irritation,
- Joint and muscle aches,
- Skin rashes,
- Difficult breathing.
Because histoplasmosis is caused by the Histoplasma capsulatum fungi, treatment options if required will usually center around the administration of antifungal medications such as Itraconazole.
Depending on the severity of one’s infection, treatment can range from 3 months to 1 year.
Now at this point…
We generally like to remind people that we here at TermLife2Go aren’t doctors, we’re just a bunch of life insurance agents.
So… if you think you may have histoplasmosis or any other pre-existing medical condition for that matter, go see a DOCTOR!
All we’re going to be able to do is help you find a great life insurance policy that you might be able to qualify for.
Ok now with that…
Out of the way, let’s begin discussion how insurance companies are actually going to “view” an applicant who has been diagnosed with histoplasmosis.
In most cases…
What you’re going to find is that as long as your “histoplasmosis” has been confined to your lungs and/or skin, without any dissemination to other organs, most life insurance companies will consider you “eligible” for coverage for a traditional term or whole life insurance policy.
You may even be eligible for a preferred rate assuming that you would otherwise qualify!
That being said however…
Most life insurance companies will want to wait at least 6 months since your last date of treatment just to be sure that you are fully recovered from your infection.
Now there will be…
Cases where one’s histoplasmosis infection has disseminated to other body parts in which case, there is still a really good chance that you may still be eligible for a traditional term or whole life insurance policy only now, you’ll probably not be able to qualify for a preferred rate. Clients like these will typically qualify for a “rated” life insurance rate, which is still great news because it means that they will still be able to qualify for coverage.
Additionally, most life insurance companies will now want to wait at least one year form your last date of treatment.
It should be noted that histoplasmosis is one of those “type” of bacterial infections that can create a lot of problems for those who have a compromised immune system.
But the truth is, in cases like these if someone has a compromised immune system, the “cause” behind one’s compromised immune system will usually take center stage during one’s life insurance application leaving histoplasmosis as an “after thought”.
So if this describes…
Your situation, don’t fret, there are “alternative” life insurance products out there that won’t require one to take a medical exam or answer any health-related questions which means that there is still a really good chance that you will be able to qualify for these types of life insurance policies (see guaranteed issue life insurance policies).
The good news is that…
Here at TermLife2Go, we have a ton of experience helping folks with all sorts of pre-existing medical conditions get approved for all kinds of life insurance policies. And with dozens of different life insurance companies to choose from, we’ll do our very best to help you find an insurance option that will not only achieve your insurance goals, it will also fall within your budget.
So, what are you waiting for? Give us a call today and see what we can do for you!