Have you had encephalitis? Getting life insurance with encephalitis in your records doesn’t have to be difficult.
As long as you have documented the condition and treatments properly, you shouldn’t have a problem being approved for life insurance.
If your encephalitis has been successfully treated, you should receive a good health class rating. This means your premiums may not be affected even if you have suffered from this condition.
We have experience working with people who have had encephalitis. We understand you may be worried about getting the best rates for life insurance. We work with a variety of life insurance companies and can help you get approved even if you have been rated or declined in the past.
Tips To Obtaining Life Insurance With Encephalitis
There are different types of encephalitis.
Most of them are transmitted by mosquito. One of the most common forms of the illness in the U.S. is St. Louis encephalitis virus, or SLEV. According to the Centers for Disease Control and Prevention, only about seven cases of this type of encephalitis are reported each year. WebMD reports about one in 200,000 Americans suffers from encephalitis annually.
MedicineNet.com defines encephalitis as general inflammation of the brain. The inflammation may be contagious or not. It can be caused by a bacteria, virus or allergic reaction. Although most people recover from encephalitis within a week, the condition can also cause death and brain damage in extreme circumstances.
People who are otherwise healthy don’t usually experience long term health effects from encephalitis. However, the condition can affect the elderly, children and people with a compromised immune system more significantly.
Some symptoms of encephalitis include:
- Sudden Headache
- Light Sensitivity
- Stiff Neck, Back or Shoulders
- Confusion and Dizziness
- Difficulty Walking
- Muscle Weakness
- Cognitive Difficulties
The condition is diagnosed by testing the blood or spinal fluid. A brain scan may also be recommended. Treatment usually involves antibiotics to get rid of the infection, corticosteroids to reduce inflammation and anticonvulsants to control seizures.
If you fully recover from encephalitis, you should have no problem being approved for life insurance. If you do not fully recover, you may be rated, postponed, or declined. If you can show the encephalitis was caused by a temporary virus or infection as opposed to an immune condition such as lupus, you’ll be more likely to successfully obtain life insurance.
The Application Process For History Of Encephalitis
Life insurance underwriters want to know you don’t pose an increased risk to the company. If you have fully recovered from encephalitis and are otherwise in good health, there is no reason to believe your mortality risk has been affected from the condition.
In order to assess your rating accurately, the life insurance agent will ask you questions such as the following:
Have you had any symptoms of encephalitis within the past year?
If your brain has been damaged by the condition, you may have symptoms such as hallucinations or seizures. If you have not fully recovered, you may experience a high fever or severe headaches. People who are still exhibiting symptoms may be asked to delay the application until symptoms have subsided.
Do you take medication for encephalitis symptoms?
If you continue to require anticonvulsant medication or other medicines to control mental symptoms such as irritation or anxiety, you may be declined for life insurance.
Have you undergone applicable tests within the past year?
The results from brain scans, spinal taps or other lab tests will be utilized to determine the severity of the condition and whether you have experienced permanent damage. You can get the most accurate rating if you can provide the life insurance company with the results of diagnostic tests.
Do you have any other medical issues?
Medical conditions which may be caused by encephalitis can affect your rating. Some of these include mental symptoms, seizures, headaches and irritability.
If you have completely recovered from encephalitis, you should receive the same rates as you would have gotten if you had never had the condition.
The best rating you could get, assuming your health is otherwise fine, is Preferred Plus. If you have no medical or lifestyle risks and are in impeccable health, you will fall into this category. People with this rating pay the lowest premiums for life insurance.
Someone with average health will usually fall into the Standard health classification. With a Standard rating, you’ll pay the base amount for your premiums. The more risks your health poses to the life insurance company, the more you’ll pay in premiums.
You likely won’t have a table rating added on to the Standard rating, but current symptoms could lend themselves this way if a carrier didn’t postpone for some reason. People with more medical problems are assigned a table rating based on their mortality risk.
Ongoing complications from encephalitis will lead you to be table rated. If your symptoms are severe and you are unable to prove you can control them, you may be declined.
Alternatives To Traditional Life Insurance
If you have not completely recovered from encephalitis, you may have trouble getting approval for traditional life insurance. Cases stemming from a viral infection usually clear up successfully. If your encephalitis was caused by another health condition, such as cancer or lupus, you may need to look at alternative life insurance policies.
If you have not recovered within a year or have complications affecting your spinal cord or central nervous system, you may be able to obtain a graded insurance policy. These types of policies are offered to most, so long as there are no very severe health problems. You will pay higher premiums, but you will have the peace of mind knowing your family is covered in the event of your death.
A guaranteed death benefit policy can also provide the security of life insurance. With this type of policy, it’s guaranteed to issue, but your death benefit grows the longer you hold the coverage. This is only for those who can’t find any other type of coverage
If you’ve had encephalitis, you may have a lot of questions when it comes to applying for life insurance.
Working with a knowledgeable agent can save you time, money and stress. Let us help you get approved for the life insurance policy right for you.