Do you want to know how to get life insurance with Meniere’s Disease? Then you have come to the right place! We break it all down for you – explain a little about the disease, what you should expect when you apply for life insurance, and what kind of policies life insurance companies will underwrite for those who have been diagnosed with Meniere’s disease.
About Meniere’s Disease.
Meniere’s disease is a pre existing medical condition that affects the inner ear. And while you may think the inner ear is only about hearing, think again! Inner ear problems from Meniere’s Disease can cause:
- Vertigo (balance problems)
- Hearing problems
- Tinnitus (ringing or buzzing in the ear)
- Nausea or vomiting
- A “plugged” feeling in your ear (similar to what may happen while flying)
Diagnosing Meniere’s Disease.
These are the steps to diagnosing Meniere’s Disease:
- Hearing test
- Balance test
- Possible MRI or CT scan of the brain/ear
Treatment for Meniere’s Disease.
There is no cure for Meniere’s Disease, but your doctor may recommend:
- Medication, mostly for vertigo and nausea
- Hearing Aids, to help you hear
- Surgery, for those who have little success with hearing aids
Getting Life insurance with Meniere’s Disease…
It’s a lot easier than you may think! Sure, Meniere’s Disease is very uncomfortable and not the best sickness to have…but it’s not the worst either. And as far as getting life insurance is concerned, Meniere’s Disease really isn’t going to have an impact on your eligibility. Which is why folks who only suffer from Meniere’s disease will often be eligible for a no medical exam life insurance policy as well as a traditional fully underwritten term or whole life insurance policy.
Some people with Meniere’s Disease can qualify for a preferred rate. That is…so long as everything else checks out.
The truth is…
What life insurance companies want to know about includes things that could shorten your life. Do you have any illnesses that would cause you to die young? Are you at risk of a heart attack or stroke? Do you drive recklessly – which could wind up killing you before your time? These are the things life insurance companies want to know about – not that you can’t hear too well.
The only time Meniere’s Disease may matter to life insurance companies…
Is if you have had any major incident due to vertigo. Since vertigo can cause you to lose your balance, this can be a concern. You could fall down the stairs or hurt yourself. If you have been hospitalized-even for a short time-due to vertigo, then some life insurance companies may hold it against you.
If your Meniere’s Disease has been limited to minor symptoms with no real major events occurring as a result, then you’re probably good to go!
As we mentioned, life insurance companies are going to do a lot of digging into your life and your medical records before they issue you a whole or term life policy. They will probably ask you to:
- Undergo a medical exam
- Provide bloodwork
- Disclose info about prescription drugs you have or do take
- Do a urine test
If you feel you have a problem that may disqualify you…
Then you can always consider guaranteed issue life insurance. These “types” of life insurance policies are insurance policies that won’t require you to take a medical exam or answer any health-related questions. Which means that your Meniere’s disease won’t even be discussed!
Don’t rush to get guaranteed issue life insurance just yet…
While this is still a good option if you have to get it, don’t jump the gun! Even if you suspect you may not qualify for a life insurance policy, you actually might! Leave the investigating to us!
Helps people like you to find life insurance – even when you think you may not qualify. We will find out everything life insurance companies look at. Then, we will help you find a really great life insurance policy – one that’s right for you! If by chance you do not qualify, we will still recommend the right guaranteed issue life insurance policy.
How can we do it?
It’s because TermLife2Go has been in the business for a while! We work with dozens of life insurance companies. This gives us an advantage over the other guy. We work with so many life insurance companies and have access to info on so many policies that we can easily find one for just about any scenario. A lot of insurance experts work with a handful of companies, which limits what they’re able to offer you.
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