Are you struggling with gout? If so, you might be wondering how it affects your life insurance eligibility if you’re in the buying process.
Like any other adverse health condition, gout is considered higher risk by most underwriters. It’s possible a life insurance company will charge you a higher premium with a long history of gout.
Yet, it’s not always the case. We’re here to help you find the best rates for life insurance policy. We work closely with the best life insurance companies to ensure you receive the best policy possible no matter the specifics of your medical situation.
Life insurance with gout doesn’t have to be complicated… we can help.
Purchasing Cheaper Life Insurance With Gout
Gout is on the rise in the United States. According to Scientific American, more than 8 million Americans are currently affected by the medical condition. There are roughly 3 million new cases each year.
The rise in gout cases corresponds to the rising number of overweight and obese Americans. As your waistline expands, so do your chances of developing gout, especially if you’re an older male.
While many people only ever experience a single gout flare-up, others struggle with recurring symptoms. This form of chronic gout is the type life insurance companies generally categorize as higher risk.
Gout is characterized by sudden onset pain in the joints. The most common joint affected is the one at the base of the big toe. A form of inflammatory arthritis, gout causes a tender, hot, swelling form of pain.
According to the National Institute of Arthritis and Musculoskeletal and Skin Diseases, gout is caused by excessive levels of uric acid. The buildup of uric acid over time results in crystal deposits in the joints (especially the big toe). Kidney stones are another frequent symptom of gout.
Here is a list of the top causes of gout:
- Family history of gout
- Male between ages of 40 and 50
- Diet of foods rich in purine
- Excessive alcohol consumption
- Take certain medications (including aspirin and diuretics)
Fortunately, gout is treatable by a medical professional. A combination of the right medications and a change of lifestyle can make it easier to manage.
Here are other things you can try to control in order to improve your health:
- Take medications as prescribed by doctor (NSAIDs, corticosteroids, colchicine)
- Visit doctor on a regular basis for follow-ups
- Eat a healthy, balanced diet with minimal purines
- Drink plenty of water
- Avoid excessive alcohol consumption
- Exercise on a regular basis
Even with a healthy lifestyle and proper medications, many people are prone to outbreaks of gout. We understand the concerns of these people. This is why it’s our goal to help you find the best life insurance you can with a history of gout.
The Application Process
The application process for life insurance is very thorough. The insurance underwriters want to make sure the risk/reward ratio is adequate before offering you coverage.
Fortunately, it’s unlikely you’ll be denied coverage just because of gout. The health condition itself doesn’t disqualify you. However, gout can be accompanied by other health conditions. If these conditions are severe enough, the possibility of denial increases.
Another factor to keep in mind is there are varying degrees of gout. We’ll find you a life insurance company with specific experience insuring those with gout of all severities.
An experienced insurance company will understand the actual facts about the condition, specifically how it affects some people mildly and others severely. They’ll take the specifics of your situation into consideration during the application process.
When you talk to us, expect to be asked several specific questions. You should be ready to give thorough and detailed answers on the following subjects:
Overall Health – Underwriters need to know about every health issue you’re dealing with, even those unrelated to gout. Each and every condition is underwritten individually, even when they are mutually exclusive.
Diet and Exercise – Proper diet and exercise is the key to fending off gout. The better you eat and more often you exercise, the greater your chances at a lower life insurance premium.
Lifestyle – Excessive drinking and smoking influence gout. Let your insurance agent know if you avoid these habits.
Date of Diagnosis – How long ago were you diagnosed with gout? A long history of stability, even after the first diagnosis, is a great sign.
Recent Symptoms – Have you experienced any symptoms recently? How severe were they? Did you visit a doctor for them?
Specifics of Condition – Detail how often attacks tend to occur, what seems to lead to them, and how severe they are. Note if your gout ever affects any activities of daily living like bathing, eating, or dressing. Also list the results from your most recent uric acid levels test.
Medications and Rehabilitation – List and describe the medications you’re taking to combat gout. Also mention any rehabilitation programs you’ve taken to prevent future attacks. Also be prepared to list any changes in medication, as these can help indicate progress or regression.
Doctor Visits – How often do you visit the doctor for gout, routinely?
All of this information will be used by the underwriter to access your situation. Make sure to be completely honest and upfront about your condition.
Common Results You Might Expect
The health rating you receive for life insurance for gout depends on the company who issues it. Your rating is likely to differ widely from company to company.
The key to receiving the lowest premium is showing the underwriter you’re dedicated to improving and your health. Maintain a balanced diet, avoid purine rich foods, limit alcohol consumption, and exercise on a regular basis. Follow your medications and treatments as prescribed by your doctor.
Doing all of these things will likely result in a Standard rating. Though most mild cases of gout receive this rating, where moderate gout might receive a Sub-Standard rating if it impacts daily life at all.
The most severe cases can be even lower than this. However, it’s extremely unlikely to be disqualified from life insurance coverage for gout, unless you have another major health condition. You’ll just have to pay a higher premium in correlation to higher rates, so finding the right carrier is our utmost importance if severity is a concern.
What to Do Next
Work with us to find the best life insurance coverage for any type of gout. We’ve dealt with hundreds of gout patients in the past, finding them excellent coverage. We know what underwriters look for and can help give you the best chance of approval.
Contact us today with any questions or to evaluate your own situation.