Qualifying for Life Insurance with Myositis.

If you’ve been diagnosed with myositis you may be wondering if you can still qualify for life insurance, and if so, can you still qualify for a preferred rate? 

Well, if so, you’ve definitely come to the right place!

You see, here at TermLife2Go, we specialize in helping people with various pre-existing medical conditions like myositis qualify for life insurance all the time.

How do we do this?

That simply, first we have you tell us what you hope to achieve by purchasing your life insurance policy so that we can get a better idea about what “type” of life insurance policy will meet your needs then we apply our knowledge of  your pre-existing medical condition with known underwriting guidelines that the individual life insurance companies typically follow.

So… let’s first start off with, what is Myositis?

Myositis is medical condition that is defined as a “muscle” inflammation. Now there are many causes for myositis, but what you’ll usually find is that in most cases, the body is having an autoimmune reaction which is causing the inflammation.

Myositis will usually manifest itself in either one of two types:

  • Polymyositis – muscle weakness in lower half of body
  • Dematomyositis – muscle weakness and skin rash

Myositis may also be caused by other problems like:

  • Lupus
  • rheumatoid arthritis
  • scleroderma
  • drug use (including some prescription drugs)
  • alcohol
  • viral infections (including flu and HIV)
  • muscle fatigue due to exercise

Treatment for Myositis.

Since myositis is typically a “symptom” of some other medical condition, it’s treatment will first depend on the cause. If it is caused by another treatable disease, like an infection, then the first step would be to treat the disease. If it is caused by alcohol or drug use, then one would be advised to stop taking either substance.

Getting Life Insurance with Myositis.

The main goal of a life insurance company before underwriting your policy is to determine your risk level: will you be likely to die prematurely? There are a lot of things that can cause premature death, but myositis really isn’t one of them. Just having myositis won’t prevent you from life insurance eligibility.  In fact, you may even be able to qualify for a no medical exam life insurance policy!

Can you qualify for a preferred rate with myositis?

Yes! Myositis will not stand in between you and the best life insurance rate possible…however, other factors might.

Causes of Myositis that will be bad for a life insurance company

If your myositis is the result of:

  • drug use
  • alcoholism
  • HIV
  • Another potentially life-shortening disease

Then you may not qualify for a preferred life insurance rate – and possibly won’t even qualify for life insurance at all. Remember, this is not because of your myositis, but because of the cause of myositis. There’s a big difference!

When You Can’t Qualify.

If you do have any medical conditions that are going to prevent you from getting life insurance, then you should definitely consider a guaranteed issue life insurance policy before you decide against life insurance altogether.

When You Can Qualify.

If myositis and its causes haven’t deemed you unfit for a life insurance policy, then you’re off to a great start. The next thing you need to figure out is if there is anything else in your life that life insurance companies might judge harshly.

Here’s What You Need to Know.

If applying for term or whole life insurance, you will need to:

  • Undergo a medical exam
  • Do some bloodwork
  • Provide a urine sample
  • Have your blood pressure checked
  • Have your weight checked
  • Have a clean driving record (no DUIs, etc)

Life insurance companies will be concerned if you are:

  • Diabetic
  • Obese
  • A heart patient
  • Susceptible to genetic disorders
  • A cancer survivor
  • HIV positive

The will also want to know if you:

  • Smoke
  • Are an alcoholic (past or present)
  • Use drugs
  • Do any adventure sports
  • Fly a plane
  • Have a dangerous job (paid or volunteer; this includes being a police officer, fire fighter, military, roofer, heavy machine operator, trucker, and much more)
  • Are clinically depressed

These are just some of the things that a life insurance company will want to know about you before underwriting a policy. But here’s where it gets tricky: some life insurance companies care about some issues more than others do. So…if you have a combination of issues (even if mild issues) it becomes very tricky to figure out. A smoker with myositis and a heart patient with myositis will find that two very different life insurance companies are right for them. That’s why you need to speak with an expert like us at TermLife2Go.

How can you recommend the best life insurance company for myositis?

We can’t! Not like this, anyway. What we can do is make personalized life insurance recommendations for people with myositis.

How does it work?

We will get to know everything about you that a life insurance company will want to know: your medical background, lifestyle choices, prescription drug use, past surgeries, etc. And then after we find out all this information, we’ll use it to search through the hundreds of policies offered by dozens of different life insurance companies that we work with – and we’ll find the best one for you!

Rest assured: we will only make a life insurance recommendation to you if we really do think it’s a great option for you! We will not take short cuts or simply make generic life insurance recommendations. We don’t believe in the one-size-fits-all philosophy when it comes to life insurance – and neither should you!

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!

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