Have you been declined for life insurance due to Osteoporosis?
Don’t fret. We can help!
In fact, tough life insurance cases are our specialty at High Risk Life Insurance Agency.
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 Osteoporosis? And if so…
2. How much will it cost?
Yes, most individuals with Osteoporosis 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 – Most cases of Osteoporosis that are controlled with no major complications such as accidents and fractures may get the best rating at “Standard” health class. Click here for quote at “Standard”.
Moderate Case – Those with moderate bone weakness and have a history of fracture may still qualify for 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 Osteoporosis?
If Osteoporosis was diagnosed in old age (which is the natural process) and the symptoms of bone degeneration is not too severe to cause major fractures, then it has a good chance to get a “Standard” rating. If, however, diagnosis is too early in adult life, then it may need further evaluation and the best rating one can get is at “Mild Substandard” health class.
You might also be interested in reading this article, “Life Insurance Approval with Rheumatoid Arthritis”
Have you had any history of fall or fracture within the last six to twelve months?
Recent fracture or history of fall may be signs of worsening Osteoporosis and may get a “Mild Substandard” rating.
Are you taking any medications or supplements?
Certain medications may cause worsening condition of Osteoporosis, so the list may need to be evaluated. Supplements or vitamins, on the other hand, may help enhance bone strength. In both cases, a thorough evaluation may be needed to determine the most appropriate rating.
Have you had any relevant diagnostic tests in the past 12 months?
Recent diagnostic test such as bone scan is the best way to assess your actual condition. This may also confirm your compliance with your physician’s management.
Do you have lifestyle practices that may speed up your bone degeneration?
Lifestyle practices such as smoking, drinking alcohol, stress, faulty eating habits and lack of exercise may cause you a “Mild Substandard” rating.
Do you have other medical conditions?
Other medical conditions such as arthritis, scoliosis or metabolic disorders may aggravate your Osteoporosis and get you a “Mild Substandard” rating.
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 Osteoporosis
Osteoporosis is a degenerative condition characterized by reduced bone strength due to old age. Osteoporosis can occur at any bone site, but is more prominent in large bones.
It usually affects women in their post-menopause and among men who have other related medical conditions such as arthritis. The most common and most serious complications of Osteoporosis include bone fracture or frequent falls and accidents.
See our other articles on Muscular, Bone and Joint Disorders and Click Here