Looking for life insurance with gout can be challenging if you are not working with an experienced agent with a history of working with those who have gout. We work with people who have a range of medical conditions, and fortunately life insurance with gout is not only possible but it’s also affordable.
The important thing most people want to know is whether or not you can qualify for a policy with differing degrees of gout, and how much you can expect to pay if you are approved for coverage. When applying for life insurance with any medical concerns it is important you are open and honest during the application process so we can pair you with a company who has a history of helping people with affordable rates of have a history of gout.
Underwritten Term Life Insurance With Gout
When it comes to specific joint inflammation for conditions such as arthritis and gout life insurance companies don’t always turn a blind eye. The good news is if you have gout it will not on it’s own disqualify you from being able to purchase life insurance.
If you are looking for a life insurance policy without a medical exam, it will be a bit tougher to get with having gout. Most no exam life insurance policies are designed for those who have outstanding health without any major medical concerns. By undergoing the fully underwritten life insurance policy you will be able to have significant savings over a no exam life insurance policy.
Health Ratings With Gout
Life insurance premiums are based upon health ratings issued by the insurance company. Most major medical concerns will keep people from getting the best rates available on the market. Gout is a type of arthritis which can occur in different degrees of severity. Based upon the severity of your gout, we will be able to get a better idea of what type of health rating the insurance company will issue you at, if you don’t have any other health issues.
If you what is determined to be acute gout and it is managed by proper exercises, dieting, and medications you may be able to qualify for the Standard life insurance rating. For a moderate case you may be bumped into a substandard rating such as a Table 2 rating. This will increase your premium slightly, but it will not on its own disqualify you from obtaining life insurance with gout. Severe cases of gout could possibly mean a Table 4 rating, but we typically not fall any lower than this.
Before we are able to determine which health rating you can expect for your policy we will walk you through a series of questions to get a better idea.
- Time period since you were diagnosed with gout
- Any symptoms in the previous 6 months
- Medications taken
- Rehabilitation program or recent doctor visits
- Any other health concerns to be aware of
The way you answer these questions will help us to get a better understanding of how much you can expect to pay for a life insurance policy, and which company will give you the best chance at these rates.
A main thing to consider when applying for life insurance with gout is to work with an experienced life insurance agency who has a history dealing with these types of cases. Specific life insurance carriers are better to work with when you have gout. This allows us to help lower your premiums and rating, and give you the best chance of approval. Anytime a medical condition is present, an independent high risk life insurance agency is who you want on your side. Give us a call if you have gout and are trying to determine how much life insurance would cost for you or your family.