Want to protect your family after your gone? Then you may be wondering if you will be able to qualify for a traditional term or whole life insurance policy after having been diagnosed with polyarteritis nodosa.
We’ll if so…
You’ve come to the right place! In this article we’re going to discuss:
- What is polyarteritis nodosa is,
- What will happen when you apply for life insurance after being diagnosed with polyarteritis nodosa,
- And other tips you need to keep in mind that should help you find the “best” life insurance policy that you can qualify for!
So, without further ado, let’s dive right into it.
About Polyarteritis Nodosa
Let’s break down the word:
Poly= more than one
Arter= referring to the arteries
Itis= swelling or inflammation
So… you can see that polyarteritis nodosa refers to the swelling of the arteries.
Common symptoms associated with Polyarteritis Nodosa…
Will often include the swelling of the arteries which can then cause a whole serious of symptoms that you can often both see and feel such as:
- Loss of appetite, leading to weight loss
- Feeling tired/ lacking energy
- Muscle and join pain or aches
- Sometimes a fever
- Sometimes skin lesions
Who gets polyarteritis nodosa?
There’s not a definite cause, but one to keep in mind is that a lot of people who have polyarteritis nodosa have active hepatitis B or C.
Studies haven’t yet determined that if there is a direct correlation between hepatitis B or C and polyarteritis nodosa, but your insurance company will definitely want to know if you’ve also been diagnosed with hepatitis as well.
Now if you have…
Been diagnosed with hepatitis B or C, then this diagnosis is going to be considered much more serious than your polyarteritis diagnosis. In fact, the minute your life insurance company finds out you have Hep B or C, then polyarteritis nodosa is probably going to take a back seat.
Here’s the tricky thing…
A lot of people live without even knowing they have hepatitis. It’s not uncommon for someone to find out that they are positive for hepatitis when they apply for life insurance.
Now does having Hepatitis B or C make you ineligible?
First of all, just because they are a letter different, it’s important to keep in mind that these are two completely different diseases.
Hepatitis B is usually cured or resolved on its own within a matter of weeks. If this is the case, you’ll be easy to insure. Now you’re probably not going to be able to qualify for a preferred rate, but then again these are rates that are reserved for only the most “healthy” of individuals so no real loss there.
The main problem is that…
In some rare cases, Hep B does not go away and turns into something dangerous. So… if you have chronic Hep B or you’re Hep B has caused you to suffer from some serious complications, then it’s definitely going to be harder for you, if not impossible, to qualify for a traditional term or whole life insurance policy.
Now with regards to Hepatitis C…
Hepatitis C is now curable! The only problem is that the treatment for the “cure” is INCREDIBLY expensive and is rarely covered by insurance companies. So, if you’ve been diagnosed with Hep C and have been fortunate enough to be “cured” great! You shouldn’t have a hard time finding coverage.
However if you haven’t been cured, you’re going to find that getting approved for coverage can become “tricky” which is why you’re going to want to work with a company life TermLife2Go that has access to dozens of different life insurance companies to choose from!
Now if you don’t have Hepatitis…
That’s the greatest news of all! Here’s how you will qualify for life insurance with polyarteritis nodosa:
- Have been stable for one year
- Have not had any complications in that time
Then you will probably qualify for life insurance…and you may even qualify for a preferred rate!
Keep in mind…
In order to get a preferred rate, you should have pretty good health with no other problems. You should also live a pretty risk-free lifestyle (i.e. no smoking, adventure sports, or dangerous career choices). If all this checks out, you’re well on your way to a preferred rate! In fact, you may even be able to qualify for a no medical exam life insurance policy as well.
If you still have symptoms of polyarteritis nodosa…
Then you might be denied a term or whole life insurance policy.
But, you still have an option!
If you think you may be denied a life insurance policy, then you don’t have to give up all hope just yet. You can still provide your family and loved ones with some basic coverage that will at least pay for your final expenses.
Get guaranteed issue life insurance.
This is a sure thing, assuming that you’re a US citizen, you meet the age requirements and you live in a state where guaranteed issue life insurance policies are offered.
Now these “types” of life insurance policies…
Will contain a “graded death benefit” which means that for the first two to three years your policy isn’t going to provide coverage for “natural” causes of death, but hey, at least it will provide full coverage once the graded death benefit expires.
For more information about guaranteed issue life insurance policies we recommend that you give us a call directly.
Are you sure you’re going to be denied?
We wouldn’t recommend you jump right into a guaranteed issue life insurance policy, though. What If you still can qualify for a term or whole life insurance policy? Then, that’s your best bet! Before you assume that you won’t, you should talk to TermLife2Go. Even if you have been denied a life insurance policy before, there still may be a company that will insure you. You just have to let us find you the right one!
If nobody will insure you…
We will help you find a really great guaranteed issue life insurance policy. Remember: there are differences even between guaranteed issue life insurance. Don’t just pick the first one you see – let TermLife2Go help you evaluate multiple options for you so that you’re sure you’re getting a great deal on your insurance.
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!