If you have sciatica, you might be wondering if it will affect your chances at getting approved for a traditional term or whole life insurance policy. And while it’s true that having a pre-existing medical condition can sometimes make it more difficult to qualify for a life insurance policy, not “all” pre-existing medical conditions will play a role in the outcome of your application!
This is why…
We’ve chosen to write this article so that we might be able to “shed” some light on what the process of getting approved for life insurance will look like why apply for coverage with sciatica. As well as provide you with some helpful tips that may improve your chances of saving money when you do finally get approved for coverage. With that said, let’s begin our conversation by first defining exactly what sciatica is.
What is Sciatica?
Sciatica is actually not a sickness or medical problem but in fact a symptom of another medical problem.
What happens with Sciatica?
When a person has sciatica as a symptom, it means he or she has a shooting pain through his or her leg. This pain is caused by some kind of pressure put on the sciatic nerve.
Now, there are many different ways pressure can be put on the sciatic nerve including:
- Slipped or herniated disc – the most common cause
- Spondolyolisthesis – a sip of a vertebra
- Spinal Stenosis – when the spinal canal narrows
Treatment for Sciatica
Really the best way to get rid of sciatica depends on the cause. That being said however, the most common treatment for sciatica is physical therapy. Unfortunately, many patients suffering from sciatica will often experience a “it gets better before it gets worse” situation, meaning that the therapy can actually be painful, but it works for the benefit of your recovery.
Other treatment options may include:
Spinal Injections or Surgery.
Some people have such bad sciatica that they need a more “proactive” solution. For these individuals, a spinal injection of medications may be prescribed to help relieve pain and bring down any potential swelling that could be causing one to experience their sciatica.
Lastly, in some cases, surgery may be required to help alleviate the cause and symptoms associated with more “severe” cases of sciatica.
Sciatica and Life Insurance.
At the end of the day, most individuals who suffer from sciatica will generally be eligible for coverage, and may even be able to qualify for a no medical exam life insurance policy at a Preferred. But that does not mean that the life insurance companies won’t be interested in knowing how well your sciatica is being treated or managed.
It also means that…
In some cases, particularly those who may need to have surgery performed or have just “had” surgery performed to help treat their sciatica may find it necessary to wait for a few weeks post operation prior to being able to submit their life insurance application. Additionally, depending on what pain medications you’re using to treat you sciatica, some insurance companies may have some additional questions for you regarding how long you’ll need to take those medications before they make their decision regarding your life insurance application.
The good news is that…
Because sciatica is not life threatening and is actually very common, once the life insurance companies are able to determine that your case represents a “typical” case of sciatica, you shouldn’t necessarily have that much difficulty getting approved. Now the “trick” is finding the “best” life insurance policy that you can qualify for.
What else do I need to know about applying for life insurance with sciatica?
In addition to all this, if you have sciatica and want life insurance, there’s more to it than you think. What’s that, you ask? Well, sciatica isn’t the only thing you have to worry about! Life insurance companies will ask you a lot more than just about your sciatica.
Life insurance companies assess risk.
This means that they will care about anything in your life – medical or lifestyle-related – that could cause you to have a shorter life. Do you have diabetes? Life insurance companies want to know about it. Do you like racing cars? Life insurance companies want to know that too!
What do life insurance companies want to know about?
Basically, anything that could potentially shorten your life. However, here’s a short check list to review before you apply for life insurance with sciatica or otherwise:
- Heart problems
- High blood pressure
- Extremely low blood pressure
- Complete blood count
- Urine tests
- “Extreme” hobbies
- Your career – is it dangerous
- Plans to travel to conflict areas
- Family medical history
- Major surgeries
- Autoimmune Disorders
This is a short list of the things that life insurance companies will want to know about before issuing you a policy.
If you have any major health concerns, then you may want to think about a guaranteed issue life insurance policy rather than a whole or term life insurance policy.
Finding the Right Life Insurance Policy with Sciatica.
Whether you have sciatica or any other health problems, the best way to find a life insurance policy is to turn to someone who understands the industry and all the major players in it. We at TermLife2Go work with dozens of the top life insurance companies. This puts us in the position to help life insurance seekers to find the best life insurance policies for their situation.
Since life insurance policies aren’t one-size-fits-all, it’s important to seek help while finding a policy. And we don’t just mean any help, we mean objective help from someone who has no ulterior motivation to push you into getting a certain policy. If a person works with only one or a few life insurance companies, surely he or she will try to convince you that one of those life insurance policies is the best. Since TermLife2Go works with so many life insurance companies, you can be sure you are getting one of the best possible life insurance policies for your need!
So, what are you waiting for? Give us a call today or visit our Life Insurance Quotes page and see what we can do for you!