If you want to get life insurance with mononucleosis, then you may have a few questions.
Th good news for you is…
We have the answers! We help insurance seekers like you to understand the process of applying for and qualifying for life insurance with mononucleosis along with a wide range of other pre-existing medical conditions.
Now in order to best…
Help you understand the process of what it’s going to be like to qualify for a traditional term or whole life insurance policy or perhaps even a simplified issue life insurance policy, we’re first going to want to understand what it means to “have” mononucleosis.
So… what is Mononucleosis?
Now, you’ve probably heard of “mono” or even “the kissing disease”. Right? We’ll that’s what we’re talking about here.
People get mono from saliva and other bodily fluids, hence the reason for its nickname. People who get mono normally feel perpetually tired.
Other symptoms of mono include…
When a person has mono, they are normally really tired all the time. Basic tasks and everyday life become more difficult. But that’s not the only symptom. People with mono also experience other symptoms common to viruses. These include but are not limited to:
- Swollen lymph nodes mostly in the neck and/or armpit
- Swollen tonsils
People with mono may also have a sore throat or a skin rash.
How long does mono last?
Most people show symptoms for about a month. However, there are some cases where it lasts longer.
Getting life insurance with mono…
Isn’t really a problem. If you’ve had mono and are all clear now, then you’ll have nothing to worry about when it comes to qualifying for life insurance. In fact, you’re probably also going to be eligible for a no medical exam life insurance policy as well.
There are times when mononucleosis results in some nasty side effects. These include some more serious things that could be a concern for a life insurance company.
Complications of Mononucleosis.
There are serious and not-so serious complications. It’s really the serious ones that life insurance companies will care about. These include:
- Hepatitis – yes, you can get hepatitis because of mono!
- Thrombocytopenia – this is a drop in blood platelets.
- Anemia – low iron count
- Myocarditis – heart muscle inflammation
Any of these things can be cured. If you had them during or after mono, but now are good to go, then even these complications won’t impact your life insurance eligibility.
What will impact life insurance eligibility?
If you have a weak immune system and any of these complications become unmanageable, then it may be a problem for your life insurance eligibility. You may not be totally disqualified from term and whole life insurance, though. You might just not have a chance at qualifying for a preferred rate.
If you are disqualified because of a health problem…
Then you should definitely consider getting what is called a guaranteed issue life insurance policy. This is a sure-bet life insurance policy that can still help you protect your family and loved ones provided you are a US citizen, live in a state where they are offered and meet the minimum age requirements.
If you don’t have any complications from Mono…
Then you are good to go! You may even qualify for a preferred rate on a whole or term life insurance policy!
But hold on…
First, we need to find out if you have any other health problems or other lifestyle habits that may impact your mortality. Translation: is there anything about your life that could potentially cause you to die earlier than your peers? If so, a life insurance company will want to know about it! And they will offer you a life insurance rate based on this.
The tricky part is…
Not all life insurance companies view all “life threatening” things to be the same risk. For example, one life insurance company might see obesity as a serious threat to your health. Another life insurance company might decide that aside from carrying around a few extra pounds, you seem to have solid health. Those two life insurance companies will probably offer you different rates.
Finding the right life insurance company…
Takes some know-how. What you need is a life insurance specialist with access to life insurance policies from a variety of life insurance companies. This is because each life insurance company has something unique to offer. By working with dozens of life insurance companies, TermLife2Go can really help you to find the best life insurance policy out there.
Whether you have mono or another physical condition…
TermLife2Go is ready to work with you! We have experience helping individuals and families with unique – and sometimes hard to insure – life situations. We work with you to find the best life insurance policy at the most affordable rate.
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!