Having trouble finding affordable life insurance with Biliary Cirrhosis?
Don’t fret. We can help!
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 Biliary Cirrhosis? And if so…
2. How much will it cost?
Yes, most individuals with Biliary Cirrhosis will be able to qualify for the graded death benefit policy 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.
How Much Will it Cost?
Severe Case– There is no best or moderate case scenario for Biliary Cirrhosis as it is an irreversible, progressing condition that always ends in liver damage. The only management that can be done is to prevent worsening symptoms such as itchiness, edema or generalized fatigue. With the correct palliative treatment and management tissue damage may be delayed. Most cases of Biliary Cirrhosis are automatically declined.
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 if you will qualify for the graded death benefit policy insurance coverage, please see the questions below:
How many years have you been diagnosed with Biliary Cirrhosis?
Biliary Cirrhosis is a fatal and irreversible condition and no matter how early you are diagnosed, the only rating applicable for you is the graded death benefit policy.
Have you experienced any symptoms within the last six months?
If you have been diagnosed with Biliary Cirrhosis and do not experience any symptoms such as yellowish skin, itchiness or abdominal pain then it must be in the early stage. You still qualify for the graded death benefit policy.
You might also be interested in reading this article “Life Insurance Approval with Liver Disease”
Do you have regular check-ups with your gastroenterologist?
Regular visit to your gastroenterologist is a good sign of control of the condition and may qualify you for a graded death benefit policy.
Do you have lifestyle practices that may worsen your condition?
If you are smoking, drinking alcohol and eating high fatty foods, you may get an automatic decline and may require further evaluation even for the graded death benefit policy.
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 Biliary Cirrhosis
Biliary Cirrhosis or primary biliary cirrhosis (PBC) is a genetic, autoimmune disease characterized by progressive inflammation and destruction of the small ducts where bile travels to and from the liver. The progressive damage to these ducts cause gradual bile buildup inside or outside of the liver, which causes irreversible damage to the tissues.
Of the two sites affected, which result to Biliary Cirrhosis, it is extra-hepatic obstruction that may undergo surgical decompression, but intrahepatic obstruction may not.
Clinical features of Biliary Cirrhosis are confirmed by elevated bilirubin levels, ALP, ALT, AST, and manifestation of progressive symptoms of liver failure. Biliary Cirrhosis is commonly asymptomatic, but when symptoms occur it is usually in the end-stage of the disease. Symptoms include generalized fatigue, itchiness, yellowish discoloration of the skin, ascites, liver enlargement and edema.
See out other articles on Liver Disease and CLICK HERE