Have you been declined for life insurance due to Anorexia Nervosa?
Luckily, you’ve come to the right place. At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.
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 Anorexia Nervosa? And if so…
2. How much will it cost?
Yes, most individuals with Anorexia Nervosa will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you will need to speak with a knowledgeable, independent agent, who is licensed with several life insurance companies for your best chance at approval.
Best Case Scenario – If Anorexia Nervosa has been diagnosed for more than a year already and the symptoms controlled the best rating would be a “Mild Substandard” rating. Click here for quote at “Mild Substandard.”
Moderate Case – Those individuals, however, who have recovered already, but are diagnosed with serious complications like heart disorders due to muscle wasting may be rated a “Medium Substandard” class. Click here for a quote at “Medium Substandard”.
Severe Case – If the condition of Anorexia Nervosa was just recently diagnosed and complications are undetermined, it will automatically be declined by any insurance agency for traditional coverage. These cases, however, may qualify for a graded death benefit policy.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Mild Substandard or Medium Substandard), please see the questions below:
1. When were you diagnosed with Anorexia Nervosa?
As was mentioned above it takes at least a year to determine if Anorexia Nervosa is already stable to be given a “Mild Substandard” or “Medium Substandard” rating. A recent diagnosis, on the other hand, gets an automatic decline.
2. Do you have any of the following symptoms within the last six months?
Yellowish skin color, dry hair, mental disturbances such as memory loss or slow thinking skills, dry mouth, generalized weakness and muscle wasting are symptoms that may be associated with serious complications and, therefore, get a decline.
3. Are you taking medications for other health conditions apart from your Anorexia Nervosa?
The need for medications for heart conditions, kidney symptoms, compromised immune system, lung complaints, liver disorders, or bone problems may be a sign of serious complications and may get a decline.
4. Do you have any relevant laboratory or diagnostic tests?
Relevant and recent laboratory or diagnostic tests can best show the absence of any complications, which may be given 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 Anorexia Nervosa
Anorexia Nervosa is an eating disorder that is characterized by excessive dieting, which has nothing to do with loss of appetite. People with this condition refuse to maintain a normal weight; in fact, they exercise too much, diet uncontrollably and use other unhealthy methods. Individuals with this condition have an abnormal fear of gaining weight even if they are not overweight.
Symptoms of Anorexia Nervosa include intense fear of weight gain that results to emaciation or muscle wasting, distorted body image, for women absence of at least three menstrual periods due to hormonal changes as a result of dieting and behavioral disturbances such as anxiety or depression.
Related Keywords: anorexia, anorexia nervosa, loss of appetite