We know it can be frustrating searching for a life insurance policy with a history of Adrenal Mass.
Luckily, you’ve come to the right place. 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 Adrenal Mass? And if so…
2. How much will it cost?
Yes, most individuals with Adrenal Mass will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
However, these types of approvals can only be offered by life insurance companies that are accustomed to high risk life insurance cases.
Best Case Scenario – There are several best case scenarios for an Adrenal Mass diagnosis to get a Standard rating. One is, if a client does not have a growth or cancer history for the last 15 years. The best case is also likely to be given if malignancy is not suspected as shown in imaging exams.
A “Standard” rating is also likely if the diagnosis is just a simple cyst or myelolipoma. The size is also a good indicator for a good rating. If the size is less than 1cm or 1-3cm with the endocrine evaluation showing a non-aggressive tumor then, there is a good chance of a “Standard” rating as well.
Another good case would be a 1-3cm Adrenal Mass that has been excised and remains unstable for at least 1 year and no signs of further growth is seen as shown in CT Scan or MRI. Click here for quote at “Standard”.
Moderate Case – Cases of Adrenal Mass with tumor growth measuring 1-3cm that has been excised but shows an unstable endocrine evaluation may get a “Mild Substandard” or “Medium Substandard” rating. Another case would be that of an Adrenal Mass that has the same measurement of 1-3cm, but has not been excised, yet has been stable for one year as shown in CT Scan or MRI may also get either a “Mild Substandard” or “Medium Substandard” rating. Click here for a quote at “Mild Substandard” or “Medium Substandard”.
Severe Case – A case of Adrenal Mass with tumor growth that measures 3.1-6cm, which has been stable for at least one year may qualify for a “Severe Substandard” rating. Click here for a quote at “Severe Substandard”.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
NOTE: There are cases when individual considerations are given as those with Adrenal Mass greater than 6cm or for those accepted with unstable endocrine findings. These cases may have to be re-evaluated or may have to wait until the case is resolved before an appropriate rating can be determined.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Standard, Mild Substandard, Medium Substandard or Severe Substandard), please see the questions below:
1. How many years have you been diagnosed with Adrenal Mass and what is the size of the tumor?
Adrenal Mass is relatively an asymptomatic condition and is commonly diagnosed accidentally. Therefore, the length of time from the moment of diagnosis plus the size of the tumor will be the most appropriate way to determine the rating class.
2. When did you have your last follow up consultation?
Comparison can be made from the time of the first diagnosis and the last consultation using the APS (Attending Physician Statement).
3. Have you had any of the following diagnostic tests in the past and what were the results?
CT Scan, MRI, biopsy or surgery results may be used to determine the size of the Adrenal Mass and pathology report. This will be used to determine the appropriate rating.
4. Have you had any endocrine evaluations in the past?
Blood exams as TSH, T3, T4 and many other hormones can tell whether the Adrenal Mass is stable or not.
5. Do you have hypertension?
Hypertension may be a sign of an unstable Adrenal Mass, which is just located on top of the kidneys that control the fluids in the body.
6. Do you have a family history of cancer?
A family history of cancer places a higher risk of developing cancer as well, and may get you a “Moderate Substandard” or “Severe Substandard” rating.
7. Are you currently taking any medication?
Medications to control blood pressure or to stabilize hormonal functions may be a sign of an unstable Adrenal Mass, and may get a “Mild Substandard”, “Medium Substandard” or “Severe Substandard”.
8. Are you smoking?
Smoking has been associated with cancer and if you are currently smoking it may aggravate the Adrenal Mass and may get you a “Severe Substandard” rating.
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 Adrenal Mass
An Adrenal Mass, also called an adrenal tumor is an abnormal growth in the adrenal glands, which are found on top of the kidneys. These tumors may either be benign or malignant.
The growth of the Adrenal Mass causes an abnormal function in the adrenal glands and, therefore, causes a dysfunction in the production of the endocrine hormones. Malignant adrenal tumors include pheochromocytoma, neuroblastoma or adenocortical carcinoma among others.
Common symptoms of the presence of an Adrenal Mass include fluctuations of the endocrine hormones, symptoms of hormonal imbalances, increased blood pressure, palpitations, headaches, weight loss or weight gain are among others.
Related Keywords: adrenal tumor, adrenal mass, pheochromocytoma, benign neoplasms, malignant neoplasms