We know it can be frustrating searching for a life insurance policy with a history of Cerebral 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 Cerebral Palsy? And if so…
2. How much will it cost?
Yes, most individuals with Cerebral Palsy will be able to qualify for traditional life 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.
Best Case Scenario – The best rating of “Mild Substandard” may only apply to cases of Cerebral Palsy with mild to moderate motor, cognitive or perceptual involvement. Symptoms of motor disorder like muscle spasms or cognitive disabilities such as thinking skill’s impairment should prove to be controlled and manageable. Click here for quote at “Mild Substandard”.
Severe Case – Those cases with extensive involvement of motor dysfunction or bone deformity that result to inability to care for self may only get the best approval at “Severe Substandard,” in worst cases that show mental or behavioral conditions may get an automatic decline. Click here for a quote at “Severe Substandard”.
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 which of the above health classes to quote yourself at (Mild Substandard or Severe Substandard), please see the questions below:
How many years have you been diagnosed with Cerebral Palsy?
Cerebral Palsy when diagnosed in childhood will have a thorough history that will provide the most accurate medical evaluation. You may have to submit your records to the insurance company to determine the most appropriate rating. Good muscle control and no other medical conditions such as epilepsy or seizures may get you the best rating at “Mild Substandard”.
You might also be interested in reading this article “Life Insurance Approval with Brachial Palsey”
Have you experienced any flare symptoms within the last six months?
Flare symptoms could be worsening uncoordinated motor skills or increasing limitation in positioning or movement within the last six months. If so, the best rating you may get is at “Severe Substandard” or in worst cases a decline.
Are you receiving any medications?
The need for Botulinum toxin injections to decrease muscle spasms may be indicative that you have a serious motor disability and may get you a “Severe Substandard” rating.
Do you have a history of surgery?
If you have a history of surgery to help improve motor skills or to decrease muscle spasms may be a sign of a severe case and the best approval you may get is at “Severe Substandard,” but with worsening condition, you may get a decline.
Do you have other medical conditions?
If you have other conditions associated with Cerebral Palsy like seizures, learning disabilities or behavioral conditions, this may be indicative of a serious illness and may get you an automatic decline.
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 Cerebral Palsy
Cerebral Palsy (CP) is a non-life-threatening, non-contagious and non-progressive brain condition that impairs motor disability and human development. It is believed and understood that these cases are mostly congenital in nature and can be diagnosed in childhood.
Cerebral is from that part of the brain called cerebrum, which controls the motor function and where the disorder is located; palsy, on the other hand, refers to paralysis, although in most cases of Cerebral Palsy movement or position disorder are more common.
The brain damage in Cerebral Palsy can occur at any time during pregnancy, childbirth or at any period of childhood until the age of three.
Among the accompanying symptoms that occur with movement and position problems include alterations in sensation, perception, communication, cognition and sight-based acuity.
Other symptoms observed with patients with Cerebral Palsy include abnormal muscle tone such as lack of muscle control and slouching, impaired reflexes and uncoordinated motor skills. Bone and joint deformities or contractures are also sometimes seen in patients with Cerebral Palsy, plus signs of muscle spasms, unsteady gait, involuntary muscle movements, balance problems, and for some there is a marked decrease in muscle mass.
Other secondary conditions associated with Cerebral Palsy include epilepsy, apraxia (inability to perform previously learned activities), mental retardation, seizures, dysarthria (motor speech disorder), eating problems, learning disabilities, urinary and fecal incontinence, behavioral conditions and sensory and communication impairments.
See our other articles on Neurological Disorders and CLICK HERE!