We know it can be frustrating searching for a life insurance policy with a history of Gout.
Luckily, you’ve come to the right place. Indeed, we help individuals of all ages and all sorts of medical conditions at High Risk Life Insurance Agency.
Our 2 Minute Promise
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Gout? And if so…
2. How much will it cost?
Yes, most individuals with Gout will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you’ll need to apply with a life insurance company that is accustomed to impaired risk cases, not an auto insurance company that just happens to also offer life insurance.
Best Case Scenario – Gout cases when managed well by diet, exercise and medications like allopurinol and colchicine rarely have acute attacks. These cases may qualify for “Standard” rating. Click here for quote at “Standard”.
Moderate Case – Those cases with frequent inflammatory attacks of swelling and pain are usually the result of uncontrolled conditions. These cases may be given a “Mild Substandard” health class. Click here for a quote at “Mild Substandard”.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Standard or Mild Substandard), please see the questions below:
How many years have you been diagnosed with Gout?
Gout can be a debilitating condition when not controlled well. There are also cases that when affected for a long period of time present complications not from the disease itself, but with the long-term adverse effects of the medications. Longevity of the condition increases the probability of complications.
You might also be interested in reading this article – Life Insurance Approval with Arthritis”
Have you experienced any symptoms within the last six months?
Symptoms of swelling joints and tissues, pain and loss of function of the affected area are flare signs, which may get you a “Mild Substandard” rating.
Are you taking any medication and for how long?
It is very important to determine the medications being taken and for how long. This will help assess any complications like gastric ulcers and hormonal problems due to long-term steroid use. Cases with other complications from medication use will have a separate evaluation to determine the appropriate rating.
Do you have regular check-ups with your rheumatologist?
Regular visits to your doctor would be a good sign of control and management. Your doctor’s medical evaluation will be used to determine your appropriate rating.
Have you had any relevant laboratory tests in the past 12 months?
Recent laboratory tests like blood uric acid and erythrocyte sedimentation rate (ESR) will have a good confirmation of control of the condition.
If you are still unsure which rating class you fall under, we suggest getting a life insurance quote at multiple substandard ratings, so you can familiarize yourself with the range of substandard premiums.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Gout
Gout is a medical condition that involves the dysfunction of the metabolic system, and is usually common among postmenopausal women and elderly men. The condition is the result of the accumulation of urates (uric acid crystals) in the blood (hyperurecimia).
These urates then deposit in the joints and connective tissues that result to acute or chronic gouty arthritis. The symptoms of Gout include redness, pain, warmth and swelling of the affected area, usually the big toe, fingers and knees.
The inflammation also affects the tendons and the surrounding tissues. Acute attacks are treated by nonsteroidal anti-inflammatory drugs (NSAIDs), colchicine and steroids. After the symptoms subside the focus is to maintain normal uric acid levels by low purine diet, exercise and other lifestyle changes.
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