Have you been declined for life insurance due to Chorea?
Don’t fret. We can help!
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 Chorea? And if so…
2. How much will it cost?.
Yes, most individuals with Chorea 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 – A best case scenario can only be given to Sydenham’s Chorea. But the condition should have been detected early, the symptoms of involuntary movement such as muscle twisting and writhing controlled, and the complications of debilitating motor and neurological dysfunction prevented. If recovery from the symptoms of involuntary movement has been established, then it may get a “Mild Substandard” rating. Click here for quote at “Mild Substandard“.
Severe Case – Cases of Huntington’s Chorea, on the other hand, are all declined due to the severity of the symptoms of “dance like” movements and neurological complications.
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 “Mild Substandard” rating, please see the questions below:
At what age was your Chorea diagnosed?
If your Chorea was diagnosed in childhood or at an early age, it is more likely to be a case of Sydenham’s. If at present time, your symptoms are controlled and severe motor neurological disabilities are prevented, then you may qualify for a “Mild Substandard” rating. If it’s a case of Huntington’s, then it will get an automatic decline, but you may still qualify for a graded death benefit policy.
Have you experienced any symptoms within the last six months?
Symptoms of moderate to severe writhing and twisting movements in multiple body areas for the last six months may be flare signs of Chorea. These symptoms may be warning signals of serious complications of Huntington that may get you an automatic decline.
You might also be interested in reading this article “Life Insurance Approval with Parkinson’s Disease”
Are you taking any medications?
The need for medications such as neuroleptics or dopamine-blocking agents for the symptoms of Chorea is very important in the control of arms and leg’s involuntary movements. And control of your symptoms is a good sign for insurance companies, which may earn you a “Mild Substandard” rating.
Do you have regular check-ups with your doctor?
Regular visit to your doctor is very important to monitor your condition, to control your symptoms of involuntary movement and to prevent the complications of neurological and behavioral disorders.
Do you have beginning signs of mental and behavioral symptoms?
If you have symptoms of advancing muscle rigidity and spasticity or behavioral and mental disturbances, then it means you have a very serious progressing Huntington’s condition, which will get you an automatic decline.
Have you had any relevant diagnostic tests in the past 12 months?
A CT-scan or MRI test is the best way to show if you have a progressing or permanent disability and may determine the most appropriate rating for you.
Have you been admitted for any suicidal attempts?
Just a single suicide attempt is enough to say that you may have serious behavioral and mental condition that may be a complication of your Huntington’s Chorea. This will get you a decline.
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 Chorea
Chorea or choreia is from the group of neurological conditions (dyskinesia) characterized by involuntary movement of the hands and feet. The involuntary movements are described as “dance-like” because they are not repetitive; rather, they are brief rhythmic actions that flow from one muscle to the next.
Chorea may occur in various medical conditions, but the most common include Huntington’s disease and Sydenham’s Chorea. High risk for the development of the disease include rheumatic fever in children, use of drugs such as anti-convulsant and anti-psychotic drugs, increased level of blood levels of copper, infections, in rare cases of pregnancy and other neurological conditions may cause Chorea.
Of the two most common conditions related to Chorea, Huntington’s is more serious because it is an irreversible and fatal condition. Sydenham’s symptoms, on the other hand, can be successfully managed and controlled. Sydenham is believed to be triggered by an exposure to strep infection that is autoimmune-mediated.
See our other articles on Neurological Disorders and CLICK HERE!