Finding an affordable life insurance policy with a history of Labyrinthitis can be quite the challenge.
Don’t fret. We can help!
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 a history of Labyrinthitis? And if so…
2. How much will it cost?
Can People Who Have a History of Labyrinthitis Be Approved for Life Insurance?
Yes, most individuals with a history of Labyrinthitis 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 – Cases of Labyrinthitis that have recovered from a history of mild to moderate infection or inflammation has a good chance of getting the best rating at “Standard”. However, there should be no symptoms of permanent damage to the inner ear or sigs of recurring infection. Click here for quote at “Standard”.
If you’re unsure whether you will qualify for the “Standard” rating, please see the questions below:
How many years have passed when you were diagnosed with Labyrinthitis?
Labyrinthitis is a non-life threatening condition, which has a good prognosis for complete recovery. The symptoms of infection, vertigo and pain, however, must be controlled and permanent inner ear damage prevented. If complete healing and recovery has been established, you may qualify for the best rating at “Standard”.
Have you experienced any symptoms within the last six months?
Symptoms of pain, moderate to severe vertigo and loss of hearing may be signs of worsening condition of Labyrinthitis and may not earn you the “Standard” rating.
You might also be interested in reading “Life Insurance Approval with Migraine”
Do you have regular check-ups with your Ears, Nose and Throat (ENT) Doctor?
Regular visit to your ENT is a good sign of control and management of your condition and may get you a “Standard” rating. It is, however, necessary for ear examinations to confirm complete recovery from unilateral vestibular dysfunction.
Are you taking any medications?
There are certain medications like aminoglycosides that can damage the vestibular organ of the inner ear. This may cause permanent hearing loss or balance disorder, which will need further evaluation before an appropriate rating can be given.
Do you have lifestyle practices that may put a higher risk to your condition?
There are lifestyle practices such as scuba diving or frequent flying that aggravates the symptoms of Labyrinthitis. In such cases, a more thorough evaluation is needed before an appropriate rating can be determined.
Do you have other medical conditions?
A family history or an existing case of Meniere’s disease may display similar symptoms of balance problems, but will definitely need a different evaluation before a rating can be detetmined.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
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 Labyrinthitis
Labyrinthitis is a condition that affects the inner ear, which is also known as unilateral labyrinthine or vestibular dysfunction. The labyrinth is an important structure in the vestibular system because it controls balance.
Labirynthitis can be caused by several factors such as bacterial or viral infection, stress, allergy or a head or ear injury. In some cases in can also be the result of a secondary infection due to a primary lung infection.
Common symptoms of unilateral vestibular dysfunction includes severe vertigo, hearing problems, ringing in the ear (tinnitus), nausea, vomiting and balance disorders.
Promptness of treatment is very important in managing Labyrinthitis because it can save a person’s hearing. There are also vestibular rehabilitation therapies available such as habituation exercises, gaze stability exercises or functional re-training activities.
See all our other articles for Head and Brain Disorders and Click Here!