Having trouble finding affordable life insurance with Narcolepsy?
The good news is there is hope.
At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.
Your Answers in 2 Minutes
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Narcolepsy? And if so…
2. How much will it cost?
Yes, most individuals with Narcolepsy will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you won’t be able to get this rating through your auto insurance company.
Best Case Scenario – Most cases of Narcolepsy are mild and with the right management can get a “Mild Substandard” rating. Provided, that symptoms of cataplexy, loss of consciousness or sudden muscle paralysis are controlled and do not impair the activities of daily living (ADL) of an individual. Click here for a quote at “Mild Substandard”.
Common Questions to Assess Rating Class
If you’re unsure if you will qualify at “Mild Substandard” rating, please see the questions below:
How many years have you been diagnosed with Narcolepsy?
Narcolepsy that is discovered early will have a good chance of control of the symptoms. Most of these cases will qualify for the “Mild Substandard” health class.
You might also be interested in reading this article “Life Insurance Approval with Epilepsy or Seizure Disorder”
How often do you experience the symptoms of Narcolepsy?
If symptoms occur less frequently and are mild in intensity, they will definitely get a “Mild Substandard” rating.
Are you taking any medication right now?
The need for medications to treat the symptoms of lack of sleep may be necessary for good control of the condition, and individuals who take them regularly may qualify for a “Mild Substandard” rating.
Do you know the primary cause of your Narcolepsy?
An individual who has full knowledge of his/her condition is a sign of good control, which may earn a “Mild Substandard” rating.
Do you have other medical conditions that may cause complications?
Other medical conditions such as heart ailment, metabolic condition or mental illness may influence the frequency of attacks, and may, therefore, need further evaluation.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “standard” to “severe standard” so you understand the range of possibilities.
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 Narcolepsy
Narcolepsy is a chronic neurological, mental or genetic condition characterized by an individual’s inability to regulate sleep and wakefulness. Individuals with Narcolepsy often experience disturbed night sleep pattern and an abnormal pattern of sleep even in daytime.
There are three specific symptoms of Narcolepsy called “narcolepsy tetrad” including (1) sudden muscle weakness without losing consciousness (cataplexy), (2) hallucinations while asleep (hypnogogic hallucinations) or awake (hypnopompic hallucinations), and (3) sleep paralysis upon awakening.
Other symptoms may also include memory problems, excessive daytime sleepiness (EDS), and an unusual fatigue during the day.
See our other articles on Neurological Disorders