Having trouble finding affordable life insurance with Asbestosis?
The good news is there is hope.
Indeed, we help individuals of all ages and all sorts of medical conditions 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 Asbestosis? And if so…
2. How much will it cost?
Yes, most individuals with Asbestosis 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 – A mild case of Asbestosis would be that of a previous exposure but did not manifest any symptom of lung problem. Another requirement would be no determined present or recent exposure to the chemical. If exposure to asbestos is detected early, removal from exposure is done and no symptoms are presented, then a “Mild Substandard” rating can be given. Click here for quote at “Mild Substandard”.
Severe Case – Other cases of recent exposure to asbestos in terms of severity, duration and frequency will all be declined. This is because as long as there is continued exposure, there is a greater chance of developing malignant complications to the lungs.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
Common Questions to Assess Rating Class
If you’re unsure whether you will qualify for “Mild Substandard” rating, please see the questions below:
How many years have you been exposed to asbestos?
Length of exposure to asbestos chemical may determine the possibility of developing lung complications like cancer and Asbestosis. If you are unaware if you’ve had an exposure please determine if you had worked in the following industries: manufacturing, direct handling or removal of asbestos or mining activities.
Have you experienced any symptoms within the last six months?
Symptoms or flare signs such as chest pain, difficulty of breathing or shortness of breath may be indicative of developing Asbestosis. Current exposure to the chemical and flare signs may get you an automatic decline.
Are you taking any medications at the moment?
The need for medications for lung problems like chronic shortness of breath may be beginning signs of Asbestosis. This could mean a decline depending on the severity of complications.
Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory and diagnostic tests like radiology exam, CT Scan or MRI are the best ways to assess your actual lung condition.
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 Asbestosis
Asbestosis is a chronic condition of lung fibrosis and inflammation due to chronic exposure to asbestos fibers. Inhalation of the asbestos fiber causes destruction of the interstitial parenchymal tissues of the lungs.
Symptoms of Asbestosis include chronic difficulty of breathing, inspiratory rales on auscultation and shortness of breath. Long term exposure and retention to the chemical may cause lung cancer malignancy such as mesothelioma.
Related Keywords: Asbestosis, mesotelioma, lung cancer, lung malignancy