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Qualifying for Life Insurance with Polycythemia

Researcher & Writer
August 16, 2017

If you’ve been diagnosed with polycythemia and are considering purchasing a traditional term or whole life insurance policy, you may be wondering if this “diagnosis” is going to affect your chances at qualifying for a great rate!

And while…

Being diagnosed with a pre-existing medical condition like polycythemia is sure to play a role in the outcome of your application, it doesn’t have to prevent you from qualifying for a quality term or whole life insurance policy.

The problem is…

That in order to get the “best” possible rate out there, you’re now going to need to take a pro-active role in applying for life insurance.  This means understanding why a life insurance company is going to be concerned about the fact that you’ve been diagnosed with polycythemia and understanding that not all life insurance companies are going to treat your condition the same.

As a result…

You’re going to want to make sure that when you do decide to apply for insurance, you do so with an agent that is familiar with your medical condition and has access to numerous life insurance companies so that you don’t have to rely on just one companies underwriting guidelines.

The good news is…

That you’ve found TermLife2Go, and we have tons of experience helping out folks who have been diagnosed with pre-existing medical conditions like polycythemia and work with dozens of different life insurance companies!

So, with that said…

Let’s just take a moment and talk about what polycythemia is and why life insurance companies are going to be concerned about your diagnoses.

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Polycythemia defined.

Polycythemia is a medical condition that is defined by an abnormally high amount of red blood cells circulating in ones’ bloodstream.  Individuals who suffer from polycythemia will typically have an increase in hematocrit, hemoglobin and or red blood cells.


While polycythemia can be caused by a variety of conditions which can make the body produce too many red blood cells, people will generally be categorized as either suffering from Primary or Secondary polycythemia.

Primary polycythemia.

Primary polycythemia, is caused by a genetic mutation that can either be congenital or acquired.  Primary familial, congenital polycythemia and polycythemia vera all fall into this category.

Primary familial and congenital polycythemia:

Are both believed to be caused by genetic mutations resulting hypersensitivity to

erythropoietin which is a glycoprotein that controls red blood cell production.

Polycythemia vera:

On the other hand, is a slow-growing blood cancer in which your bone marrow produces too many red blood cells.

Secondary Polycythemia.

Secondary polycythemia is usually due to an increase erythropoietin production which may be due to some other cause other than a genetic mutation.

Examples of such causes that could lead one’s body to produce too much erythropoietin may include:

  • Chronic obstructive pulmonary disease,
  • Congestive heart failure,
  • Sleep apnea,
  • Emphysema or chronic bronchitis,
  • Or pulmonary hypertension.

Symptoms associated with polycythemia.

Individuals suffering from polycythemia may experience:

  • Fatigue or general malaise,
  • Headaches,
  • Abnormal bruising,
  • Abdominal pain,
  • And joint pain.

At this point…

We generally like to remind folks that we here at TermLife2Go are not doctors nor are we medical professionals.  So, if you have any specific “medical” questions that you would like to have answered, please contact your doctor.

You see…

Here at TermLife2Go, all we are is a bunch of life insurance agents who, just happen to be really good at helping folks with pre-existing medical conditions qualify for traditional term or whole life insurance policies.


If all you’re looking for is help qualifying for coverage, well then… keep on reading!

Qualifying for life insurance with polycythemia.

Polycythemia is a rather unique medical condition because it can either be an actual medical condition as with Primary Polycythemia or it can be a symptom of some other pre-existing medical condition as seen with those suffering from Secondary Polycythemia.

So... whatcha got?

Understanding “why” you have polycythemia is going to go a long way in understanding what “type” of life insurance policy you will be able to qualify for as well as what “rate” you may be expected to pay.

That said however…

There are some “assumptions” that we can make.  For example, it’s reasonable to expect that most if not all life insurance companies are not going to be willing to offer anyone one diagnosed with polycythemia a Preferred rate.

In fact…

We can assume that it’s also highly unlikely that individuals diagnosed with polycythemia will be able to qualify for a Standard life insurance rate either.

But that doesn’t mean…

Individuals diagnosed with polycythemia won’t be able to qualify for a traditional term or whole life insurance policy.  It just means that you’ll “probably” only be able to qualify for a table rating.

Table rates.

Table rates are life insurance rates that are reserved for individuals who are considered a “higher” risk for life insurance.  In total, there are 10 possible table rates ranging from Table A (the best, or least expensive table rate) to Table J (the worst, or most expensive table rate).

So, the trick…

Then becomes trying to find a life insurance company that will approve “polycythemia applicants” at a Table A rating.  And that’s where we here at TermLife2Go get to work.

You see…

Here at TermLife2Go, we have chosen to remain and independent life insurance brokerage which means that we are able to pick and choose among dozens of different life insurance companies all in an effort to help you find the “best” life insurance policy that you can qualify for.

Because it’s important…

To remember that in addition to the fact that you’ve been diagnosed with polycythemia, insurance companies are also going to be interested in a wide range of other factors which may also play a role in determining which life insurance company is going to be the best for you!

We may even…

Find that because you’re only looking for a small final expense insurance policy that a guaranteed life insurance policy might be the best fit for you!  We just won’t know until we have an opportunity to learn more about you and what you hope to “achieve” by purchasing your life insurance policy.

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

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