Kyphosis is a medical condition highlighted by an excessively curved spine.
Because of the nature of this spinal deformity, the condition is often referred to as “hunchback.” The abnormal curvature often causes back pain, though some people don’t experience any symptoms aside from rounding of the back.
If you have kyphosis, you probably want to know how it affects your life insurance eligibility. Luckily, the vast majority of people should be able to qualify for traditional coverage if no other health problems are present.
Working with an independent life insurance agent like us helps ensure you find the best rates possible. We work directly with those companies most likely to offer coverage to those with kyphosis.
Here’s the most important information you need to know when looking for life insurance with kyphosis.
Buying Life Insurance with Kyphosis
Roughly 3 million Americans are diagnosed with kyphosis every year, according to the American Academy of Orthopedic Surgeons.
The spinal disorder affects people of all ages, although it’s most common in adolescents. Older women are also at a higher risk for kyphosis, as it often occurs as a symptom of osteoporosis.
Fortunately, kyphosis doesn’t cause many major problems. Treatment isn’t even needed in many cases, though some patients are encouraged to wear a back brace, take pain medication, or participate in physical therapy.
Only in the most serious cases are more intense treatments required. Surgery is only used as a last resort, though it alleviates symptoms in most cases.
The fact is kyphosis is highly treatable. The majority of people with the medical disorder should be able to qualify for traditional life insurance coverage. Of course, your overall health, aside from kyphosis, must be good to receive the best rates.
It’s still important to seek life insurance coverage from a company with a history of insuring those with kyphosis. Such a company understands the peculiarities of the condition and how they affect you. They’ll be able to offer you the lowest premium.
The Application Process
The first step to applying for life insurance is filling out an application. The purpose of the application is to help the insurance underwriter assess your risk.
The application for traditional life insurance is accompanied by a medical exam. The exam helps the insurance company better assess your risk by allowing them a better understanding of your overall health.
The underwriter then uses the information gained in the application and medical exam to decide on your rating class.
Prepare for the life insurance application process by getting ready to answer the following questions. You can be almost certain the underwriter will ask these.
Overall Health – How is your health aside from kyphosis? Do you have any other medical conditions? Your medical exam also looks at your general health.
Diet, Exercise, Lifestyle – How is your diet? Do you exercise on a regular basis? How often do you drink? Do you smoke? These questions will better help the underwriter assess your overall health and average life expectancy.
Date of Diagnosis – When were you first diagnosed with kyphosis? Generally, the longer ago you were diagnosed, the better your chances of receiving the best rating, especially if you can prove the condition is well managed.
Cause of Condition – What caused your kyphosis? Is it related to aging or a spinal injury? Or is the cause unknown? Kyphosis caused by aging, especially by osteoporosis, has the best chance of receiving a lower premium.
Condition History – What symptoms of kyphosis did you experience? When is the last time you’ve experienced these conditions? If you haven’t experienced any serious conditions in the past six months, you have a higher chance of receiving the best coverage.
Complications – Do you have any complications related to kyphosis? If left untreated, the condition can cause problems with the heart, lungs, and digestive system.
Treatments – What methods have you used to treat your kyphosis? Wearing braces and physical therapy are common examples. More serious cases of kyphosis might warrant spinal surgery to correct the abnormal curvature.
Once again, as an independent life insurance agent, we can help line you up with those life insurance companies most likely to offer the best coverage to those with kyphosis.
The exact type of coverage you receive depends on the specifics of your condition. The best way to get a feel for your premium is to seek a life insurance quote.
The underwriter in charge of your application will consider your condition history, your overall health, and a variety of other factors to assess your risk. Those with kyphosis are otherwise in good health will likely receive a Standard rating. Qualifying for a Preferred rating is rare.
Those with a more serious case of kyphosis, or with an unknown cause for the condition, can expect to qualify for a Sub-Standard rating.
However, you might not qualify for traditional coverage if you are struggling with complications related to kyphosis. If you didn’t treat your condition in a timely manner, you might have problems with your heart, lungs, or digestive system. Those with such complications might have to look at life insurance alternatives like a graded death benefit policy.
It’s also important to note you don’t only have to apply for life insurance once. You can apply regularly, every couple of years. Applying several years down the line can often net you a better premium if you can show your kyphosis is now better managed or you changed your lifestyle for the better.
What to Do Next
Our independent life insurance agency makes finding life insurance with kyphosis all the easier.
We specifically target those companies most likely to offer coverage to those with this medical condition. We only work with the best life insurance companies so you can always count on receiving the best coverage possible.
Don’t hesitate to apply for life insurance with kyphosis. If you’re otherwise healthy, there’s a very good chance you’ll qualify for traditional coverage at a reasonable rate.