If you’re trying to get life insurance with thyroiditis, then you’ve started in the right place! This article will give you an overview of everything you need to know about applying for – and getting – life insurance with thyroiditis.
What is Thyroiditis?
There are many different disorders that fall under this broad category of thyroid problems. In short, thyroiditis can describe anything that causes inflammation to the thyroid.
Potential causes of Thyroiditis.
There are many things that can cause this, but it could be:
- Drugs (even prescription)
Common treatment options for Thyroiditis.
This will depend on the cause of your thyroiditis. Here are some possible treatments:
- Hormone replacement (for hypothyroidism)
- Anti-inflammatory drugs (aspirin or ibuprofen)
- Beta blockers (mostly for thyrotoxicosis)
And while these are some common treatment options for thyroiditis it’s important to remember….
We’re not doctors! We’re just a bunch of life insurance agents so… if you think you have thyroiditis or you’ve been diagnosed with thyroiditis go see your doctor and listen to him or her!
Qualifying for Life Insurance with Thyroiditis.
Thyroiditis is not that big of a deal, so in many cases, qualifying for life insurance isn’t that big of a deal either. You may even be able to qualify for no medical exam life insurance policy as well.
Like with anything, life insurance companies will want to know not just that you have thyroiditis, but what caused you to develop thyroiditis. They will likely treat each type of thyroiditis differently.
In most situations…
You will qualify for life insurance and can even qualify for a preferred rate!
That’s supposing that you have no other major symptoms and that everything to do with your thyroiditis is under control.
You are having recurring problems or it’s the sign of a bigger health problem, then you will have something to worry about.
Just because your thyroiditis is totally under control, doesn’t mean every other aspect of your health is. It’s important to remember that in order to get a preferred rate you need to be in pretty good shape. You also need to be a non-smoker who lives a relatively safe life (i.e. you don’t skydive regularly, and you’re not a police officer, for example).
Additionally, if you have radiation-induced thyroiditis…
Sometimes people get thyroiditis after having radiotherapy for cancer. Of course, the bigger concern for a life insurance company automatically becomes that you have or had cancer. Suddenly, thyroiditis is really nothing! If you have had cancer then you should read this article.
If you have acute or infectious thyroiditis…
This is caused by a bacterial infection. Life insurance companies will want to know what kind of bacterial infection you have, and how you got it. They will also want to know if you have recovered from it, and what your treatment for it was. If you had a basic bacterial infection that cleared up and you have no residual effects, then this will not impact your life insurance eligibility. If you have or had a bacterial infection that was more serious, then life insurance companies may take it into consideration. Different life insurance companies will view this differently.
The main thing is…
Your thyroiditis should be a thing of the past. If it is still an issue for you now, then it may be an issue for life insurance companies. However, not for all life insurance companies.
Every life insurance company has a different opinion.
It’s hard to comprehend, but every life insurance company analyses risk in a different manner. Some see a sickness or medical problem as relatively small. But, another life insurance company could view the exact same medical problem as being more severe, more of a risk.
It’s not all that easy to know which life insurance company is “the best” for you. At least, not on your own. It’s also why we here at TermLife2Go will often times make sever different life insurance companies “compete” for your business because even we aren’t 100% sure which company may be right for you, at least in the beginning.
This good news is that…
We’re unbiased, and that matters a lot. Because when it comes to determining which life insurance company is “best” for you, we’re simply going to let the cards fall where they may. Or in other words, it really doesn’t matter to us “which” insurance company “wins” your business because for us, we just want to make sure that we help you find the “best” life insurance policy that you can qualify for!
Dozens of different options to choose from, we here at TermLife2Go feel that you should have plenty of options to choose from when it comes time to making the right choice for you and your family.
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!