Have you been declined for life insurance due to Cerebrospinal Meningitis?
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 Cerebrospinal Meningitis? And if so…
2. How much will it cost?.
Yes, most individuals with Cerebrospinal Meningitis 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 Cerebrospinal Meningitis that have been diagnosed early, given prompt treatment and recovered completely may qualify for the best rating at “Standard” health class. This should be supported by blood tests, CT-Scan or MRI and/or lumbar tap if result is available. The patient should not present any residual symptoms of decreased mental state or major organ damage. Click here for quote at “Standard”.
Note: With severe symptoms of fever, headache and nuchal rigidity, and recent complications like sepsis, these cases will get an automatic decline. 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 “Standard” rating, please see the questions below:
How many years have you been diagnosed with Cerebrospinal Meningitis?
Cerebrospinal Meningitis that is diagnosed and treated early has a very good chance of prognosis and complete recovery. If your treatment was successful and you do not have any debilitating symptoms of mental disability, hearing or visual impairment, then you may qualify for the “Standard” rating.
You might also be interested in reading this article “Life Insurance Approval with Cerebral Thrombosis”
Have you experienced any symptoms within the last six to twelve months?
If any of the symptoms such as vision loss, hearing problem, frequent headache, fever or neck rigidity are present, it may be signs of a recurrence and this will definitely get a decline. But you may still qualify for a graded death benefit policy.
Have you had any relevant diagnostic tests in the past 12 months?
A recent blood test such as complete blood count or blood culture and/or diagnostic exam such as CT-Scan or MRI will be a good way to rule out a recurrence. If all examinations will show normal results and no symptoms are seen on physical exam, then you may qualify for a “Standard” rating.
Do you have lifestyle practices that may put a higher risk to your condition?
If you are frequently travelling you are at a higher risk of catching flu or infections of the ears, nose or throat, which makes a recurrence at higher probability. If you are also pregnant or have other medical conditions, it puts you at a higher risk for a recurrence. Because of these, you may get a decline, but may still qualify for a graded death benefit policy.
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 Cerebrospinal Meningitis
Cerebrospinal Meningitis is the inflammation of the meninges, a membrane which protects and covers the outermost layer of the brain and the spinal cord. Inflammation may be caused by bacterial or viral infection, drugs, certain microorganisms or foreign bodies.
Cerebrospinal Meningitis is a life-threatening condition that warrants medical emergency management, otherwise, it can be fatal. The pathognomonic sign that differentiates Cerebrospinal Meningitis from other brain conditions is the presence of nuchal rigidity (severe stiffness of the neck), which is the initial sign of meningeal irritation.
The classic clinical symptoms (triad) of Cerebrospinal Meningitis whether bacterial or viral include: fever, headache and nuchal rigidity. These symptoms can be observed within a few hours to several days. In unmanaged cases it can rapidly progress to decreasing level of consciousness, lethargy or coma.
Other symptoms may include signs of increased intracranial pressure (ICP) nausea, vomiting, seizures, marked confusion, phonophobia (inability to tolerate noise) and photophobia (inability to tolerate light). Increased ICP is an emergency condition that can rapidly lead to coma; signs include decreased mental state, dilated pupils, decreased heart rate, increased blood pressure and irregular respiratory rate.
See our other articles on Head and Brain Disorders and CLICK HERE!