Finding an affordable life insurance policy with Blindness can be quite the challenge.
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.
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 Blindness? And if so…
2. How much will it cost?
Yes, most individuals with Blindness 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 – Only cases of Blindness caused by physical injury may qualify for the best case scenario; provided, however, that it should have been at least one year since the incident. After one year a rating of “Standard” can be given.
NOTE: For Blindness caused by other conditions such as glaucoma or diabetic retinopathy, it will be declined automatically.
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 a “Standard” rating, please see the questions below (Please have someone assist the client in answering the questions):
How many years have you been diagnosed with Blindness?
If Blindness is due to a physical injury, it is easy to determine the exact date of the loss of sight. If it is, however, due to other medical or neurological condition it may sometime take gradual loss of vision. Of the two, only those cases that are due to physical injury may qualify for a “Standard” rating after a period of one year. Other cases may have to be re-evaluated if they may qualify for the graded death benefit policy.
You might alos be interested in reading “Life Insurance Approval with Paraplegia”
Do you have regular check-ups with your ophthalmologist?
Regular visit to your ophthalmologist may be a good sign that your condition is monitored and that no further complications like increased eye pressure may happen.
Do you have someone to help you do your activities of daily living?
Blindness puts a higher risk for accidents and injury, so it is important that support system is clearly established.
Do you have other medical conditions?
Other medical conditions such as increased blood pressure, diabetes or glaucoma are serious conditions that need further evaluation to determine the appropriate 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 Blindness
Blindness is a condition of the eyes where an individual lacks the capacity for visual perception and/ or light vision, commonly termed as NLP or “no light perception”. Reasons for Blindness may include physical injury or neurological conditions.
Other common medical conditions that may cause of Blindness include herpes simplex, keratitis, Anterior Ischemic Optic Neuropathy (AION), papilledema, glaucoma, cataract, age-related macular degeneration, and diabetic retinopathy.
See our other article on Injuries and Physical Defects and CLICK HERE