A common question of those diagnosed with nephritis is “do I still qualify for traditional life insurance coverage?”
Whether you qualify for traditional coverage or not depends on the specifics of your situation. These factors also determine what rating class you’ll receive (which determines your premiums).
That’s why we’re here to help. Independent life insurance agents, like us, work with the top-rated life insurance companies in the country. We can help you find the ones most willing to insure you.
And yes, you can still qualify for life insurance with nephritis.
Here are the basics anyone with nephritis needs to know about applying for life insurance coverage.
Buying Affordable Life Insurance with Nephritis
Nephritis is a disorder causing problems with the function of your kidneys. The condition itself is caused by a bacterial infection or an autoimmune disorder.
The severity of the condition depends directly on the severity of the infection. Nephritis is just as often chronic as it is acute.
The organization goes on to list the following symptoms of nephritis:
- Decreased urine output
- Blood in urine
- Nausea or vomiting
- Swelling or weight gain
- Drowsiness or confusion
- Muscle aches and pain
It’s important to catch nephritis early on. Starting treatments as soon as possible can help nip the disorder in the bud. It can also help minimize the negative effects of the symptoms.
Starting treatment early also improves your chances of receiving traditional life insurance coverage. Timely treatment helps ensure your nephritis is manageable and doesn’t affect your life.
Only in rare cases, where nephritis isn’t treated early, do serious complications like kidney damage and kidney failure arise. Of course, complications such as these greatly reduce your chances of receiving traditional life insurance.
Treatment for nephritis consists of a multifaceted approach. Certain medicines must be avoided. Your doctor might also recommend a special diet. The diets recommended for nephritis patients are usually low in salt, fluids, and protein.
Medications can also be used to treat nephritis. Anti-inflammatory medications are the most common.
The All Important Application Process
The life insurance application process is fairly straightforward. It consists of answering several questions and taking a medical exam.
Your answers to the questions and the results of the medical exam are then reviewed by a life insurance underwriter. It’s the underwriter’s job to assess your risk.
The main thing an underwriter is looking for is any risk factors which might hint at a premature death. Life insurance companies want to insure those with an average life expectancy. Any medical conditions which lower life expectancy are red flags.
The questions asked are all used to gauge your overall health. You should be prepared to answer questions involving the following factors:
Overall Health – You’ll be asked about your overall health in addition to nephritis. Your chances of receiving the best rates increase if your overall health is good.
Date of Diagnosis – When were you diagnosed with nephritis? Show you’ve been able to manage the condition over time for the best rates.
Condition History – The underwriter will ask for a thorough explanation of your history with nephritis. Be sure to note your symptoms, the severity of these symptoms, and how long ago they occurred. The longer ago you last experienced symptoms, the better rates you’re likely to receive.
Treatments – A life insurance company wants to see you’re doing all you can to manage your condition. This includes keeping up with the latest treatments and medications. Regular doctor visits also ensure underwriters you’re dedicated to maintaining your health.
As we mentioned above, we can help you find a life insurance company who has a history of insuring those with nephritis. These experienced companies under the disorder and how it affects your risk as their client.
Common Results To Think About
It’s impossible to give you an accurate estimate of the type of life insurance coverage you’ll receive. There are just too many factors to take into consideration.
However, if we assume you’re in good health aside from nephritis, it is possible to give a few rough estimates.
For example, those with nephritis caused by an acute infection will likely get a Standard rating. Of course, the condition must be treated early to receive this rating. You must also be free of any complications or severe damage.
Chronic nephritis gets a lower rating.
Those who experience frequent mild symptoms, like a fever, will likely qualify for a Mild Sub-Standard rating. Those who experience frequent moderate symptoms, like back pain and fever, will likely qualify for a Medium Substandard rating. You must not have any signs of severe damage to qualify for either of these ratings.
Those with more severe symptoms will likely be declined outright. This is especially true if you have poor renal function or permanent damage.
Those who are denied from traditional life insurance companies might want to look into life insurance alternatives. We work with several companies who provide alternatives such as graded death benefit policies to high risk clients.
What to Do Next
Just because you’ve been diagnosed with nephritis doesn’t mean you can’t receive life insurance coverage.
Many of those with mild to moderate nephritis will qualify for traditional coverage at more than reasonable rates. Work with us to receive the absolute best premiums from the top-rated companies in the industry. In many cases, we can get you several different offers to choose from.
Even those who don’t qualify for traditional coverage have options. Life insurance alternatives are ideal to those with a less-than-average life expectancy.
So what’s the next step? We recommend contacting us today to make finding life insurance with nephritis as easy and pain-free as possible.