Searching for life insurance with chorea can be frustrating. Like many medical disorders, it can make insurance companies wary of insuring you, for a wide range of reasons.
Yet it’s not impossible to find a life insurance company who will insure you. We are an independent agency, so we work with more than 40 carriers.
Finding these companies is what we do best.
Don’t let something like chorea stop you from protecting your family with insurance. Get a quote directly on this page if you need immediate assistance, or feel free to read more about what our process is below.
Here are the basics you need to know to better understand what you’re up against.
Buying Life Insurance with Chorea Or Movement Disorders
The National Institute of Neurological Disorders and Stroke describes chorea as an abnormal involuntary movement disorder. It’s caused by over-activity of the neurotransmitter dopamine in the areas of the brain controlling movement.
The name chorea is derived from a Greek word meaning dancing. The disorder is characterized by irregular, dance-like movements flowing from one part of the body to the next. Unlike similar movement disorders, the movements of chorea aren’t repetitive.
According to the International Parkinson and Movement Disorder Society, chorea spans a wide range of severity. Many patients are able to function fairly normally. However, the random twitching and writhing movements can make it difficult to walk.
More serious cases of chorea are highlighted by more severe movements. Instead of slight, dance-like movements, the movements take the form of thrashing.
The causes of chorea aren’t known. The list of potential causes are:
- Degenerative Brain Diseases
- Exposure to Drugs or Toxins
Those with Huntington’s disease are most likely to develop chorea. The two disorders are very similar. In fact, chorea can often be considered a “symptom” of Huntington’s disease rather than a stand-alone disorder.
Unfortunately, there is no cure for chorea. However, a number of drugs and other treatments can help you control it. The treatment you receive depends on the specific type of chorea, as well as any associated diseases.
Like always, it’s essential to work with a life insurance company who understands the specifics of chorea. They’ll be able to give you the best rates and coverage possible.
The Application Process
The application process for life insurance can be frustrating at times, and having to deal with extra scrutiny in regards to a medical condition makes it no simpler. Each insurance company wants to make sure you’re a good fit, so be prepared for plenty of follow-up questions.
The key factor they look at is total mortality risk. A life insurance company doesn’t want to take on a client who poses an undue risk. In other words, they want clients who, while dealing with a medical disorder, are still reasonably healthy. More risk means more premiums, but too much risk means a decline.
Your job is to give the insurance underwriter as much information about your medical condition as possible. Here are samples of questions they ask:
Overall Health – How is your health, aside from chorea? Do you have any other medical conditions or disorders?
Diet, Exercise, and Lifestyle – A healthy overall lifestyle is highly valued by life insurance underwriters. Eat well, exercise regularly, and avoid smoking for the best rates. Consider a cover letter if you have a well defined and established routine.
Type of Chorea – The severity of your chorea will dictate whether you qualify for life insurance or not. Those with Sydenham’s chorea are most likely to qualify (and receive lower rates).
Date of Diagnosis – When were you diagnosed with chorea? Those diagnosed early, especially in childhood, receive the best rates.
Underlying Issues – What’s the cause of your chorea? If it’s related to Huntington’s disease, it will be much harder to secure life insurance.
Condition History – Describe your condition and symptoms in detail. Be sure to note the last time you experienced symptoms and how frequently they tend to occur.
Treatments and Medications – What are you doing to keep your chorea under control? List the treatments and medications you’re currently taking.
Doctor Visits – Regularly visiting your doctor can help you qualify for a better life insurance policy.
Chorea isn’t a cut and dry medical disorder. It comes in all different shapes, sizes, forms, and levels of severity. That’s why it’s so important to speak with us to thoroughly explain the specifics of your situation. Without detail, it’s anybody’s guesswork.
Common Rating Results
The fact chorea can’t be cured and is often linked with other serious disorders (such as Parkinson’s disease) makes patients with this condition riskier for life insurance companies to insure.
Those with severe chorea will most likely be denied from traditional life insurance. You’ll have to explore alternative options like life insurance companies who specifically cater to high risk individuals.
On the opposite end of the spectrum, those with a milder form of chorea, such as the most common Sydenham’s chorea, will likely qualify for traditional coverage. You probably won’t qualify for a Preferred rating but a Standard rating is much more likely.
It’s also important to note you can reapply for coverage at regular intervals. If you don’t initially get accepted or don’t get the rate you were hoping for, it’s possible to get accepted or have rates reduced. This is especially true in the current medical climate where new and improved medications and treatments are constantly being fine-tuned.
You can ask for a reconsideration if you have enough data to show improvement.
What to Do Next
Finding life insurance with a condition like chorea is quite a bit more difficult than finding life insurance with other medical conditions, but we can help.
We work closely with several of the highest rated life insurance companies around. We know which ones will be most likely to accept your application and extend an offer of coverage. We can even get a pre-approval in many circumstances.
Basically, we take some of the legwork out of the application process for you. There’s a good chance we can find you traditional coverage. If not, we can help you explore the best alternative options.
If you have any questions, please contact us or being the process by getting a quote at Regular rates.