Have you been declined for life insurance due to Brachial Palsy?
Luckily, you’ve come to the right place.
At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.
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 Brachial Palsy? And if so…
2. How much will it cost?
Yes, most individuals with Brachial Palsy will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you won’t be able to get this rating through your auto insurance company.
Best Case Scenario – Most cases of Brachial Palsy occur during difficult delivery, and because infants have the capacity to heal speedily, it usually does not require a medical treatment or surgical management. If the damage, however, becomes too severe, it may require surgery. Most cases have no debilitating effect that is why they are given a “Standard” rating. Click here for quote at “Standard”.
Common Questions to Assess Rating Class
If you’re unsure if you will qualify for the “Standard” rating, please see the questions below:
What was the cause of your Brachial Palsy?
Brachial Palsy is a common complication of a difficult labor or a physical injury to the nerves around the shoulder. Whether it was at birth or a current injury that caused Brachial Palsy, most cases usually recover without complications such as muscle contraction or total loss of muscle function. Most of these cases that recover fully will qualify for a “Standard” rating.
Did you undergo surgery for your Brachial Palsy?
Surgery is usually required for moderate to severe cases, and usually with the correct technique, the nerves may be back to its normal function. Most of these cases get a “Standard” health class.
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If you did not have any surgery, what management is being done to your Brachial Palsy?
Mild cases of Brachial Palsy that do not require surgery will usually have regular therapies such as hands and arm range of motion exercises or gentle massage.
Do you have regular check-up with your doctor?
Regular visit to your doctor is a good sign of control and prognosis. It also gives a higher percentage of less complications such as loss of muscle function because regular assessment is done.
Do you have other medical conditions?
A diagnosis of Brachial Palsy will most likely get a “Standard” rating, but if there are other medical conditions, it will be evaluated separately before an appropriate rating can be given.
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 Brachial Palsy
Brachial Palsy is a condition characterized by weakness or total loss of movement of an arm or both arms due to damage to the set of nerves around the shoulder, arm and hand (brachial plexus). The most common cause of Brachial Palsy is difficult delivery at birth.
Brachial Palsy is usually the result of damage to the brachial plexus or trauma to the shoulders at childbirth, presence of tumors or in some cases due to infection or inflammation. In some cases, physical injury from a gunshot wound or a violent traction of the shoulders and arms may lead to Brachial Palsy.
In adults, signs and symptoms include drooping or paralyzed arm, absence of muscle control in the arm, hand or wrist, and absence of sensation of the hand or arm.
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