Finding an affordable life insurance policy with Biliary Colic can be quite the challenge.
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 Biliary Colic? And if so…
2. How much will it cost?
Yes, most individuals with Biliary Colic 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 – A best case scenario will be given for cases of Biliary Colic that have been treated and managed by surgery. Usually, if the obstruction has been removed surgically the colic pain also subsides immediately and the symptoms of epigastric pain or fever and chills disappear. Most of these cases have a “Standard” rating. Click here for quote at “Standard”.
Moderate Case – Those cases with chronic symptoms of Biliary Colic pain, flatulence and indigestion that are mostly controlled, and with no detected complications such as cholecystitis or pancreatitis may qualify for a “Mild Substandard” health class. Click here for a quote at “Mild Substandard”.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Standard or Mild Substandard), please see the questions below:
How many years have you been diagnosed with Biliary Colic?
Biliary Colic can be caused by conditions such as cholecystitis or the presence of gall stones. Early detection would identify the cause and immediate treatment management can be given. Once managed early, the symptoms of severe pain will immediately disappear and complications will be prevented, therefore, a “Standard” rating may be given.
Have you experienced any symptoms within the last six months?
Symptoms of severe pain that radiates to the shoulders, chest or back and that lasts for more than 5 hours may be a sign of an acute cholecystitis. These cases may need to be managed surgically before an appropriate rating can be given. Once full recovery is seen a “Standard” rating may be given, but for those with mild complications may still qualify for a “Mild Substandard” rating.
Are you taking medications for pain?
The need for medications may be indicative of a progressing condition of Biliary Colic and further medical evaluation may be necessary before a rating can be given.
You might also be interested in reading “Life Insurance Approval with Irritable Bowel Syndrome”
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 get you a “Standard” rating. It is, however, necessary for laboratory and diagnostic exams to confirm the absence of complications such as pancreatitis or acute cholecystitis.
Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory exam that shows an elevated level of serum bilirubin or alkaline phosphatase (ALT) may be a sign of a common duct stone and may need to be managed surgically before a rating can be given.
Are there lifestyle practices that trigger your Biliary Colic?
Biliary colic pain is usually precipitated by a large intake of high fatty meals and if the condition is chronic but does not require surgery, the best rating that may be given is at “Mild Substandard”.
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 Biliary Colic
Biliary Colic in itself is not a disease, but a symptom of pain associated with the irritation or inflammation anywhere in the area of the common bile duct or cystic duct. Usually the pain is caused by an obstruction (stone) anywhere in the duct.
The obstruction in the duct causes pressure and distention that result to Biliary Colic pain that is described as severe, long lasting, constant or steady ache and accompanied by a feeling of fullness in the right upper quadrant of the stomach that sometimes radiates to the shoulder, chest or back.
Biliary Colic pain usually lasts between 30 minutes to 5 hours and occurs abruptly and subsides rapidly or gradually. In some cases, individuals also experience symptoms of nausea and vomiting, fever and chills, flatulence and indigestion.
See our other articles on Digestive System Disorders and CLICK HERE