Jason Fisher If you’re concerned about finding life insurance with Paget’s disease, we may be able to help you. Specializing in high risk life insurance, we have helped many, many people find coverage where others could not.
Applying with the right company will make all the difference in getting accepted versus getting declined. While we can’t guarantee an approval, we are confident we can give you the best chance.
If you’re curious how to find affordable life insurance with Paget’s disease, keep reading below for more details or simply start the process by getting a quote and we’ll be happy to walk you through our unique process.
Life Insurance With Paget’s Disease
Paget’s disease, also called osteitis deformans, is a chronic disease in a localized place affecting only the skeletal structure. Similar to osteoporosis in its affect of the bones, it’s more localized and changes the bones in a different way, usually causing enlarged or misshapen deformities.
When it comes to life insurance, this can have a profound affect on your rates because it’s an additional risk to the carrier, especially if the area affected is major. The three most major and problematic places someone will develop Paget’s disease are the:
- Pelvis
- Femur
- Spine
It can also develop in other places, mostly around joints causing arthritic types of symptoms. A life insurance underwriter will want to know these types of symptoms you deal with, along with what types of medication you’re taking to combat them. Other types of symptoms of concern include:
- Shooting Pains
- Headaches
- Immobilization
- Fractures
- Vision or Hearing Loss
Symptoms can vary widely from patient to patient depending on the localized position of the paget’s disease, but a majority often have no symptoms at all or simply confuse them with arthritis.
Paget’s Disease Affect On Life Insurance Rates
There are a couple different questions you’ll need to answer to begin identifying exactly how much of a risk you pose, and this will ultimately decide your rates for the life insurance with Paget’s disease you’re seeking. Here are a few:
- What was your date of diagnosis?
- How was your Paget’s disease diagnosed (ie. x-ray, blood test for eleveated alkaline phosphatase)?
- What symptoms have you had previously?
- What symptoms are you having currently?
- Have you experienced bone deformity?
- What area(s) is affected?
- What types of treatments and medications are you currently prescribed?
These questions help both us, your agent, and the underwriter get a better idea of what type of progression in the Paget’s disease has occurred and how likely it is to worsen over time. Paget’s disease is not curable, but it can be very well maintained, which is key to getting approved.
Outside of underwriting the life insurance with Paget’s disease, the rest of your medical profile is also very important. Any additional health concerns can cause additional difficulty in getting approved, depending on what they are.
Our process is unique in that we pre-screen our clients to find out as much information as we can up front. While this takes just a few more minutes, these necessary step allows us to request of the carriers a more accurate and precise expectation of rating and premium. Any agent who is not doing this for you is doing you a great disservice.
If you have questions or concerns, please contact us and we’ll be happy to help you through the process until you’ve found the coverage you need.
