Qualifying for Life Insurance with Orthostatic Hypotension.

Applying for life insurance with orthostatic hypotension can be a bit stressful, because like most things, life insurance companies tend to like “everyone” to fit within what they consider “normal” parameters.

As a result…

Those who are diagnosed with orthostatic hypotension may find it difficult to qualify for an “ideal” life insurance rate and will certainly want to “shop” their life insurance application to several different life insurance carriers prior to actually “officially” applying for coverage.

The good news is that…

We here at TermLife2Go specialize in helping individuals who have been diagnosed with “unique” pre-existing medical conditions.

Which means that…

When it comes time to helping you qualify for a great life insurance policy, not only are we going to have dozens of options for you to choose from, we’re also going to know what life insurance companies are going to be most interested in when it comes to your orthostatic hypotension.

So… what is Orthostatic Hypotension?

This is a specific type of low blood pressure.  Those suffering from orthostatic hypotension will experience a sudden drop in blood pressure levels that occurs when they stand up after sitting or lying down, normally for a long time. Usually, people with orthostatic hypotension experience symptoms such as dizziness and lightheadedness.

In some cases, the person could even faint. Sometimes people refer to this as a “head rush”.

Causes of Orthostatic Hypotension.

The cause of orthostatic hypotension is not exactly clear and could be caused by a combination of a lot of different things. What is clear is that people who experience orthostatic hypotension at least somewhat regularly are more likely to have heart failure later on. This is the main reason why life insurance companies get so nervous about those who have been diagnosed with orthostatic hypotension.

Now if you…

…experience orthostatic hypotension regularly and normally have low or regular high blood pressure, then you still may have a higher chance of having heart failure later and may have a difficult time qualifying for a traditional term or whole life insurance policy.

However, if you…

… only occasionally or rarely have orthostatic hypotension, then it could be insignificant. You may simply be suffering from:

  • Hot weather
  • Dehydration
  • Pregnancy
  • Unknown cause

In these cases, you will probably still qualify for life insurance and could even get a preferred rate with orthostatic hypotension!

What you Need to Know About Getting Life Insurance with Orthostatic Hypotension.

If you want to qualify for life insurance, then you will need to get an adequate medical investigation. In the event that there is a root cause, then your life insurance company will consider that root cause rather than orthostatic hypotension itself.

Causes of orthostatic hypotension that could impact your life insurance eligibility include:

  • Anemia
  • Parkinson’s Disease
  • Diabetes
  • Adrenal Insufficiency
  • Thyroid Conditions
  • Medications that cause orthostatic hypotension

Which Life Insurance Policy is Best for Orthostatic Hypotension.

As stated, life insurance companies are more interested in the underlying illness rather than your orthostatic hypotension on its own. Because of this, there isn’t a “right” life insurance policy for orthostatic hypotension. Instead, you need to look for a life insurance company that handles your underlying cause well.

Other Factors to Consider.

Orthostatic Hypotension and it’s underlying cause are just the beginning of the medical investigation a life insurance company will do before issuing you a life insurance policy.

Life insurance companies will want to know if you have:

  • Heart problems
  • Genetic predisposition to certain diseases/cancer
  • Survived cancer
  • Undergone radiation treatment
  • Had any major surgeries
  • Diabetes
  • Anemia
  • Addictive personality
  • Ever attempted suicide
  • Taken antidepressants
  • High cholesterol
  • Blood or protein in your urine

Additionally, they will want to know if you have:

A dangerous job including

  • Roofing
  • Pilots
  • Flight engineer
  • Heavy machinery operator
  • Construction
  • Power-line installer
  • Electrician
  • Truck driver
  • Sales person – driving a lot
  • Farmer
  • Steel worker

Dangerous hobbies including

  • Skydiving
  • Base jumping
  • Scuba diving
  • Recreational pilot
  • High diving
  • Marijuana use
  • Racecar driving

These are just a few of the things that life insurance companies will want to know about you.

While we can recommend a life insurance company that’s great for diabetes or one that’s not too harsh on anemia…what if you have other things to consider? Will a person with anemia and who has had bypass surgery recently find that the same life insurance company is right for them as a person who has anemia and has recovered from malaria?

Probably not.

Finding the right life insurance policy.

The best way to find a life insurance policy with your root cause of orthostatic hypotension and your other life circumstances is to simply call an expert.

Wait a minute…
Don’t just pick up the phone and call someone who works for one life insurance company. If you do, then they will just try to sell you a policy from their insurance company. Even some independent agents who work with multiple life insurance companies aren’t the best option. Why? Because the number of life insurance companies they work with is the limit of options they’ll present to you.

This is why….

You should give us a call here at TermLife2Go!  You see, here at TermLife2Go, we work with dozens of the top life insurance companies in the United States. So that when it comes time to actually making a decision on which one is “Best” for you, you won’t simply have to rely on just one or two different options, you’ll have plenty of options to choose from!

So, what are you waiting for?  Give us a call today or visit our Online Life Insurance Quotes page and see what we can do for you!

Leave a Comment