Finding the right life insurance with a pre-existing medical condition is always difficult, but it’s even more difficult with diabetes insipidus.
Unlike most other pre-existing medical conditions, the reason for this difficulty isn’t the severity of the problem. In fact, diabetes insipidus has relatively mild symptoms and can easily be treated after seeing a doctor.
The reason that qualifying for life insurance with diabetes insipidus is often harder than it should be is actually because most underwriters don’t even know about the disorder.
That’s why it’s so important not only to ensure the underwriters are clear which type of diabetes you actually have, but also why it’s so important to target those life insurance companies with an understanding of diabetes insipidus.
Here’s everything you need to know about qualifying for life insurance with diabetes insipidus.
First, More On Diabetes Insipidus (And Why Insurers Think Twice)
Diabetes insipidus, often abbreviated to DI, is a very rare disorder that affects thirst and urination.
Those with the disorder feel intense thirst and associated heavy urination. These symptoms stem from the fact that diabetes insipidus causes problems with the way the body normally regulates how it handles fluids.
In addition to intense thirst and heavy urination, many people with diabetes insipidus also experience problems with bed wetting.
Other signs of diabetes insipidus, especially in children and infants, are trouble sleeping, fever, diarrhea, and unexplained weight loss.
It’s essential to visit your doctor immediately if you notice extended problems with extreme thirst or heavy urination.
For example, most adults urinate about 3 liters per day while an adult with diabetes insipidus might urinate 15 liters or more each day.
Treatment not only prevents the unpleasant symptoms of diabetes insipidus, but it also prevents more severe complications, like dehydration and electrolyte imbalance, from developing.
Who Gets Diabetes Insipidus?
Though diabetes insipidus is a very rare disorder with only around 20,000 cases in the United States each year, it can affect almost anyone.
The main cause is a fluid regulation system which stops working as it should. The kidneys fail to remove excess fluid and other means of regulating fluids, such as perspiration, stop working properly.
The reason that your kidneys start failing to properly regulate fluids depends on the specific type of diabetes insipidus you have.
The four main types, and there causes, are:
- Central Diabetes Insipidus – Caused by damage to the pituitary gland (or hypothalamus), disrupting normal production of ADH.
- Nephrogenic Diabetes Insipidus – Caused by a defect in the kidney tubules, disrupting the proper response of the kidneys to ADH.
- Gestational Diabetes Insipidus – Very rare and only occurs in pregnancy, caused by an enzyme made by the placenta destroying the ADH.
- Primary Polydipsia – Caused by damage to the kidneys by consuming excessive fluids over a long period of time. Often linked to mental illness.
Treatments for Diabetes Insipidus
The treatments for diabetes insipidus depend on the specific type you have and exactly what causes it.
The most common treatment is hormone therapy. The hormone therapy is designed to regulate ADH levels by correcting the particularly problem that is causing the fluid regulation system to work improperly.
Other treatments for diabetes insipidus include a special diet, notable for being low in salt. The right eating and drinking habits play a huge role in treating and preventing the disorder.
Questions You’ll Be Asked When Applying
One of the main steps in applying for life insurance is answering a series of questions in the actual application.
These questions start with basic information about you, including your overall health and lifestyle, then become more in-depth and personal.
You’ll soon find that you must answers questions related to specific medical issues that you have, including diabetes insipidus.
Your answers to these questions are reviewed by the underwriters at the life insurance company you’re applying at.
The underwriters use your answers and the other provided information to assess your overall risk to their company. Their risk assessment is what decides whether or not you qualify for coverage as well as what rate you’ll end up paying.
As mentioned above, underwriters sometimes confuse diabetes insipidus with other more common forms of diabetes. That’s why it’s so important to clearly state what form of diabetes you actually have on your application.
The underwriters should then ask specific questions about your diabetes insipidus to better understand what your condition entails.
These questions include things like:
- When were you diagnosed with diabetes insipidus?
- What were your symptoms?
- What type of diabetes insipidus do you have?
- What treatments have you used?
- What is your diabetes insipidus prognosis?
Most life insurance companies will also require a current medical exam alongside your application.
The medical exam is used to verify that the information you’ve provided in your application is up-to-date and accurate.
Finalizing The Application and Completing the Approval Process
Applying for life insurance with diabetes insipidus is simple and straightforward.
You start by completing the above-mentioned application. Then you proceed to sending in a current medical exam from a doctor.
The next step is easy, but time-consuming. It consists of waiting. The waiting period is usually between 4 and 6 weeks for traditional life insurance coverage.
During this time, the life insurance company is reviewing your application. The underwriters are evaluating all of the information to make a decision on you for their company.
First up is whether or not you qualify for coverage in the first place. The second factor is at what rate you qualify at. Finally, the underwriters decide whether or not there are additional premiums you must pay for coverage.
After the 4 to 6 week underwriting period is over, you’ll receive a response that includes information related to your rates and coverage specifics.
Remember, even if you don’t quality for traditional coverage, there are still plenty of life insurance alternatives available.
Your Life Insurance Approval Odds
We have good news – most of those with diabetes insipidus will qualify for traditional coverage.
Of course, this hinges on several additional factors. Chief among them is you are in good overall health otherwise and have no complications from the disorder.
In fact, those with diabetes insipidus that’s managed or treated have the chance of receiving some of the highest rating classes from a life insurance company, including “Standard” or “Standard Plus!”
These preferred rating classes mean you’ll pay some the lowest rates for the highest levels of coverage.
Even those with more severe forms of diabetes insipidus should still qualify for traditional coverage, albeit at slightly higher rates, as long as they’re in otherwise good health.
Only those with serious pre-existing medical conditions which caused their diabetes insipidus, or with severe complications stemming from the disorder, will have a difficult time finding traditional life insurance coverage.
There’s still little reason to worry though. Even if you don’t qualify for traditional coverage, there are still options available.
Among these is a guaranteed issue policy. You pay slightly on each payment for lower levels of coverage, but it’s still an adequate form of coverage for many people that aren’t able to qualify for traditional life insurance.
Finding the Best Life Insurance with Diabetes Insipidus
Fortunately, finding traditional life insurance with diabetes insipidus is relatively easy.
Once more, this is only the case if you don’t have any other health conditions or disorders that might otherwise sway the opinion of the underwriters.
With that said, it’s still a smart idea to do your research and apply to several different companies at once.
Doing so will allow you to compare your different options to truly find the best life insurance with diabetes insipidus.