Have you been diagnosed with Sjogren’s Syndrome? Are you now wondering if that diagnosis is going to prevent you from being able to qualify for a traditional term or whole life insurance policy?
If so, you’re in luck. Not only have you found this article which will hopefully answer many of the questions you may currently have, you’ve also found TermLife2Go which has plenty of experience helping folks with a wide range of pre-existing medical conditions like Sjorgen’s Syndrome.
Which is why…
Not only are we going to be familiar with our condition, we’re also going to know which life insurance companies are going to be the most “lenient” when it comes time to actually applying for a traditional term or whole life insurance policy.
But before we…
Get too far ahead of ourselves, let us first take a moment to actually describe exactly what Sjogren’s Syndrome is and discuss why exactly insurance companies are going to be so concerned with the fact that you’ve actually been diagnosed with it!
What is Sjorgen’s Syndrome?
Sjorgen’s Syndrome is an immune system disorder which has two distinctive symptoms:
- Dry and itchy eyes,
- And dy and scratchy mouth.
Other Areas that May Be Affected.
Though eyes and mouth are normally the first and most prominent, if Sjogren’s Syndrome is left untreated, then it can impact things such as joints (pain/ache), vagina (vaginal dryness), skin (rashes), lungs (dry cough can be harsh on lungs) and more.
Cause of Sjorgen’s Syndrome.
Sjogren’s usually comes with another disorder rather than a standalone disorder. For example, it is common for people with lupus.
Treating Sjogren’s Syndrome.
You can do things to treat your dry eyes and mouth like use eye drops and take medication to increase saliva, but the best thing you can do is get to the root cause.
If you have Sjogren’s as a result of Lupus, then getting your Lupus symptoms under control may work best.
Now at this point…
We like to remind folks that we here at TermLife2Go are not medical professionals, and we’re certainly not doctors. 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 great life insurance policies.
If you have any specific medical questions, save those for your doctor, because you certainly not qualified to provide you with any useful information. However, if all your looking for is great life insurance advice, well then, keep on reading!
Qualifying for Life Insurance with Sjogren’s Syndrome.
The main reason you have come to this article is to know if you can qualify for life insurance and the answer is YES. Or at least we can say that having Sjogren’s Syndrome will “generally” not be enough to disqualify for you from qualifying for coverage.
If you have another health issue, that can disqualify you. Qualifying for life insurance with Sjogren’s disease is possible only supposing that all other health and lifestyle areas are up to the mark!
Now that you know you’ll qualify for term or whole life insurance, the real question is how much will you pay? This will depend on what “rate” you qualify for.
Now as a general…
Rule of thumb, what you’re generally going to find is that most people who have been diagnosed with Sjogren’s Syndrome will not be eligible for a Preferred or Standard rate. Instead, you’ll most likely qualify for a Table Rate.
Are insurance rates that fall below Standard rates and are typically reserved for “higher” risk applicants. In total, there are 10 possible table rates that an individual can qualify for ranging from Table A (the best, and least expensive table rate) all the way to Table J (the worst, or most expensive table rate).
Individuals who have…
Been diagnosed with Sjogren’s Syndrome will in “theory” be able to qualify for any table rate ranging from Table A to Table J. So, the goal then becomes to secure that Table A rate if possible.
And this is where…
We come into play. You see not all life insurance companies are going to consider those with Sjogren’s Syndrome the same. So, if one life insurance company underwrites you for Table D… Then you may qualify for Table C or even B elsewhere because life insurance companies have different metrics when it comes to underwriting.
Finding the best Table Rate.
Now that you know your life insurance rate can vary greatly (there are eight levels of ratings possible!). Finding the life insurance company that will offer you the best rate will be difficult for an individual – it involves a lot of comparing of policies and company underwriting techniques.
Seek Expert Advice.
Instead of trying to figure it all out on your own, why not turn to an expert?
Finding the Right Expert.
Rather than asking for expert advice from a life insurance agent that works with one or even 2-3 life insurance companies…ask for advice from an expert that works with dozens of highly rated life insurance companies! That’s TermLife2Go.
TermLife2Go is Here!
We can find you the best life insurance policy because we work with so many different life insurance companies. This enables us to really find the one that’s right for you. We can compare and contrast what different policies have to offer – and which ones will underwrite a good policy for you.
We will take into consideration everything that a life insurance company will:
- Current Health
- Bloodwork and urine work
- Past Health
- Family Health
- Lifestyle Choices
Only then will we make a recommendation.
Personalized Life Insurance Recommendations,
Unfortunately, we can’t tell you which life insurance company is “best for Sjogren’s Syndrome patients” because there is a lot that goes into choosing a life insurance company and underwriting a policy. That’s why we don’t make life insurance recommendations on such generic terms. Instead, we believe in personalized life insurance recommendations based on the above information. Only then can you know if you really are getting the most coverage at the most affordable price.
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!