While labyrinthitis isn’t all that common of a disease, when you get it, it can be a pretty scary thing and isn’t something that you’ll likely forget any time soon!
Which is why…
You may be worrying about whether or not the fact that you’ve suffered from labyrinthis in the past is going to affect your eligibility for life insurance – and rightfully so.
But fear not! We’re here to help. You see, here at TermLife2Go, we focus on helping those who have been diagnosed with a pre-existing medical condition in the past, even unusual ones like labyrinthitis. It’s also why we’ve put this article together with basic information so that you can get a general idea about how an insurance underwriter is going to evaluate your previous exposure to labyrinthitis and provide you with some tips on how to increase your chances at qualifying for a great life insurance policy.
And with that being said, let’s first start of our discussion by briefly defining what labyrinthitis is.
Your ear canal is kind of like a labyrinth leading the way to your brain, and when it gets infected, it can cause more problems than just pain. Labyrinthitis is an infection of the inner ear, deep inside.
Symptoms of Labyrinthitis.
Most people who get labyrinthitis suffer from:
- Some loss of hearing
- Nausea, feeling of sickness
- Some mental confusion
- Ear pain
- Fluid of the ear
- Sound such as humming or ringing hat won’t go away
Usually labyrinthitis is a byproduct of another sickness such as a viral infection. Unfortunately, antibiotics cannot treat a viral infection. Instead, the best way to treat it is with lots of liquids and rest.
If by chance you have labyrinthitis due to a bacterial infection, then you can be prescribed antibiotics which will hopefully speed up your recovery.
Getting Life Insurance with Labyrinthitis.
If you have had labyrinthitis in the past the most important thing life insurance companies want to know is this: do you have any residual damage?
In rare cases, labyrinthitis may cause permanent damage to the inner ear or even permanent loss of hearing. To see if this has happened your doctor will recommend a hearing test.
Will loss of hearing impact my eligibility?
Not necessarily. Because you can get a cochlear implant or hearing aid to help you hear, hearing loss alone won’t disqualify you from great life insurance. In some instances, a life insurance company may not be willing to offer you a preferred rate if you’ve suffered significantly due to your labyrinthitis, however, in most cases (provided you choose the right insurance company) you should still be theoretically eligible for a Preferred or Preferred Plus rate assuming you meet all other necessary requirements.
What caused your labyrinthitis?
As mentioned, labyrinthitis most often happens as the result of another issue. If this is the case, then life insurance companies will want to know the cause of your labyrinthitis so they can assess all the risks associated with your vertigo.
Getting an MRI.
If you still have labyrinthitis and nothing seems to be helping it to clear up, then you should get an MRI for your own safety as well as to help you obtain life insurance. An MRI can tell you if there is something more serious that is causing your vertigo. It can also rule out possibilities.
Applying for Life Insurance: Wait
If you currently have labyrinthitis and it’s something new, then you probably want to (and need to) wait until it’s cleared up before you apply for life insurance. For most people, labyrinthitis and its symptoms will clear up within a few weeks at the very most.
How Long Have You Had Labyrinthitis?
Although for most people, labyrinthitis goes away rather soon, a small portion of people who get it will suffer from symptoms for months or years. The length of time you have had labyrinthitis is very important to potential life insurance companies.
Getting a Preferred Rate with Labyrinthitis.
Yes! It is possible to get a preferred rate if you have had labyrinthitis. In fact, you may even be able to qualify for a no medical exam life insurance policy!
This requires that the rest of your health checks out! Remember, labyrinthitis is just the beginning of what life insurance companies want to know about you!
Other Medical Issues for Life Insurance Companies to Consider.
In addition to labyrinthitis, life insurance companies will want to know about your overall medical health. In order to qualify for a term or whole life insurance policy, they will want to start by:
- Doing blood work
- Asking you to undergo a medical exam
- Checking weight, height and blood pressure
- Asking for a urine sample
- Possibly checking into your past medications
Things that could potentially impact your life insurance rate include:
- having diabetes
- past surgeries
- heart problems
- genetic predisposition
- preexisting disorders
- past cancer
- mental disorders
There are actually tons of medical issues which have the potential to impact your life insurance rate. That’s why it’s so difficult for us to make a flat recommendation as to which life insurance company is the best for people with labyrinthitis.
Finding the best life insurance company with Labyrinthitis.
In order to find the best life insurance coverage when you have labyrinthitis, you have to take all the above information into consideration and more. Because there are so many variables, it’s impossible to make one flat recommendation as to “the best” life insurance company – because the answer will vary depending on your other medical issues.
Someone with labyrinthitis and high blood pressure may find one life insurance to be the most affordable and the best coverage, but someone with labyrinthitits and a history of heart problems may find another life insurance company to offer a better rate.
Instead of trying to figure it all out alone, turn to someone you can trust! Someone like TermLife2Go!
Here at TermLife2Go, we specialize in helping people with difficult medical situations and complicated lives (isn’t that just about all of us?!) to find a life insurance company and policy that’s perfect for their needs.
We only make tailor-made recommendations based on the facts of your life! That’s why we will probably recommend two different life insurance policies to two different people, both of whom have labyrinthitis.
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!