Peyronie’s disease is one of the medical conditions where let’s face it, you really don’t want to talk to a complete stranger about it, right?
This is why we’ve chosen to write this article about peyronie’s disease, because even though you may not want to ask about whether or not your peyronie’s disease is going to affect your life insurance application, you’d still like to know the answer, right?
And the truth is…
Every medical issue is different and deserves analysis. So, if you are interested in applying for life insurance with peyronie’s disease, here’s a great place to start!
What is Peyronie’s Disease?
When a penis has scar tissue, sometimes a plaque develops inside of the penis. This can alter the way the penis naturally falls. Instead of being straight, it will curve to the side or even slightly upward.
Is it life threatening?
No absolutely not! And that is why peyronie’s disease does not impact your eligibility for life insurance. It’s entirely possible you qualify for a preferred rate with peyronie’s disease.
Peyronie’s Disease: does it affect your life insurance rate?
Since peyronie’s disease isn’t life threatening, and really doesn’t result in any major life threatening issues, it should have no bearing on your life insurance rate. You will not be penalized for having Peyronie’s Disease.
Applying for Life Insurance with Peyronie’s Disease.
To start applying for life insurance with Peyronie’s Disease you probably want to know what life insurance company is best. Which life insurance company gives peyronie’s disease patients the best rate and the most coverage?
Since peyronie’s disease isn’t life threatening, this isn’t really a big issue and you shouldn’t be focusing your life insurance search efforts on this particular medical issue.
In fact, if this is the only pre-existing medical condition that you have, there’s a really good chance that you maybe able to qualify for a no medial exam life insurance policy. There are however, many other things life insurance companies consider.
What’s more important than peyronie’s disease is your overall health. Take a look at your life and think: what are the things in my life that could potentially shorten my life? This can actually extend past your health and into your lifestyle choices.
Run through these lists to see what things could impact your life insurance rate in a negative way:
- Cancer – even if you are a survivor
- Bad health in your family; diseases, premature death, etc
- Mental illnesses
- Family history of mental health
- Heart problems
- Dementia in your family
- Major surgery, particularly in the last 12 months
- Major accident, particularly in the last 12 months
- Any sickness that may be in remission
Lifestyle aspects that may impact your life insurance rate:
- Dangerous hobbies such as:
- Speed boats
- race car driving
- horseback riding
- cliff diving
- deep sea diving
Dangerous careers such as:
- Police officer
- fire fighter
Dangerous vices such as:
- Excessive drinking
- Drug use
- Tobacco use
- reckless driving
These are things that are going to count against you in a much bigger way than peyronie’s disease.
Finding the Best Life Insurance Company.
So now that you know what’s bad for your life insurance rate, you probably want to know how to go about getting life insurance coverage despite it.
Now the best way…
To find life insurance coverage is to find a company that’s right for you. Sound great, right? It is, but it’s not easy, particularly when going about it on your own! To find the best life insurance company for your situation takes a lot of time, effort and knowledge. If more than one of the things in the list above are a part of your life (for example, you use marijuana and you’re a construction worker, or you have a family medical history of heart disease and you are a smoker) then you have to see how life insurance companies handle not just one but both of those issues. Since two life insurance companies handle the same issue very differently, it’s a lot to find out who will handle your two or more issues the best.
Turn to an expert!
TermLife2Go has been successful in finding great life insurance coverage for individuals with unique situations. We can do this because we work with dozens of the best life insurance companies in the United States. We know how they decide on a rate for individuals with different issues…so we know which will be the best for you!
How it Works.
When you apply for life insurance, the life insurance companies find out a lot of information about you and then base the rate they offer you on that. So, for us to find the best life insurance company for you, we need to follow a similar process. We start by getting to know about you, your health and your budget. Then we use our extensive knowledge about the life insurance policies offered by dozens of life insurance companies…and we come up with some of the best life insurance policies for you!
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!