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Qualifying for Life Insurance with Otosclerosis
Have you been diagnosed with otosclerosis but still want to provide your family with the protection of a life insurance policy? Don’t worry; qualifying for life insurance with otosclerosis is not nearly as hard as you might imagine.
There are some things to keep in mind so that you really get that great life insurance policy you’re looking for, and that’s why we’ve chosen to write this article. So, let’s get too it!
An abnormal bone growth in the middle of the ear is otosclerosis. People who suffer from this may have hearing trouble since it obstructs the passageway to the eardrum.
Causes of Otosclerosis
There’s no medical consensus as to why this happens, but some reasons it could happen include:
- Stress fracture
- Immune disorder
Symptoms of Otosclerosis
The main symptom of otosclerosis is hearing loss, but there are other symptoms such as:
- Balance issues (vertigo)
- Tinnitus (ringing in the ears)
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Getting Life Insurance with Otosclerosis
Though living with otosclerosis can be tough, it’s not that big of a deal for life insurance companies to deal with.
The reason for this is because…
Otosclerosis is in no way life threatening. It’s a discomfort and can make life difficult but it presents no risk to your longevity.
Life Insurance companies are interested in assessing risk
Something like otosclerosis does not present much of a risk to your life. In fact, you can even get a preferred rate for a life insurance policy when you have otosclerosis. That is, if you are healthy in every other way.
What life insurance companies really want to know…
Is about the health problems and lifestyle choices that could cause your life to be cut short. Life insurance companies analyze all the risk factors present in your life. If there is a statistically higher chance of premature death due to a sickness, hobby, or lifestyle choice, then life insurance companies want to know about it.
You may be surprised that…
You came to this article because you were worried about otosclerosis – and now you’ve found out that it’s probably the least of your worries!
You should be worried more about…
Things that life insurance companies are worried about. Those things include but are definitely not limited to:
- High blood pressure
- Family medical history
- Recent surgeries (in the last year)
- Depression or other mental disorders
- Vices (smoking, excessive drinking, etc)
- Eating disorders
- Suicide attempts
Any of these things could actually put you at risk – and make you ineligible for a preferred rate on a term or whole life insurance. In fact, some of these things could disqualify you from life insurance altogether.
Now, if you don’t qualify…
That’s not the end of the world. You can still get coverage for your family by getting a guaranteed issue life insurance policy. This is sure bet provided that you’re a US citizen, meet the required age requirements and live in a state where these “types” of life insurance policies are available. Even if you are suffering from a serious illness with little or no chance of ever recovering!
If you do qualify…
Then the next thing you want to do is be sure that you get great coverage for a low price. Isn’t that what everyone wants? But the thing is, this can be tricky!
Don’t just ask your friends for advice…
If a life insurance company offers your friend an amazing rate doesn’t mean they’re going to offer you the same great rate. You and your friend are two different people, and just clothes fit you differently, so do life insurance policies. You need to find the policy and company that works best for your situation.
It’s not so easy on your own…
While you may want to give it a go and try to find the best life insurance policy on your own, you’ll soon find out that this is a very time-consuming activity. And in most cases, someone who seeks to find the best life insurance policy on their own, never really does. Sure, you may find a good policy – but is it a great policy?
Turn to the experts like TermLife2Go. We have experience working with very complicated cases. We work with individuals with diverse backgrounds and medical histories. No matter what your situation is, we’ll be able to find you the life insurance policy you deserve. We want the best for you and your family.
We can do it because…
We have experience working with many unique situations. We work with dozens of the top life insurance companies, enabling us to really find you some top-notch life insurance. Each of our life insurance recommendations is customized to the needs of that particular individual. If you and your friend both give us a call, chances are we will recommend totally different life insurance policies for each of you.
All you have to do is…
So, what are you waiting for? Give us a call today or visit our Instant Life Insurance Quotes page and see what we can do for you!