Finding an affordable life insurance policy with Christmas Disease can be quite the challenge.
Don’t fret. We can help!
At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.
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 Christmas Disease? And if so…
2. How much will it cost?
Yes, most individuals with Christmas Disease 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 – Christmas Disease or Factor IX deficiency is the only type of hemophilia or blood condition that can get the best rating at “Mild Substandard”. Provided, that symptoms of bleeding are controlled and complications to major organs are prevented. Click here for quote at “Mild 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 if you will qualify for a “Mild Substandard” rating, please see the questions below:
How many years have you been diagnosed with Christmas Disease?
Christmas Disease or Factor 9 deficiency is a preventable and controlled condition if it is detected and treated early. The symptoms of spontaneous bleeding can be controlled and complications to major organs like the liver or lungs can be prevented if management is successful. Most of these cases may qualify for a “Mild Substandard” rating.
Have you experienced any symptoms within the last six months?
Symptoms of spontaneous bleeding or pain may be flare signs that can lead to serious complications like debilitating deformities or major organ damage. This may not qualify you for a “Mild Substandard” rating but may qualify you for a graded death benefit policy.
You might also be interested in reading this article “Life Insurance Approval with Hemophilia”
Are you taking any medications?
The need for medications like vasopressin or antifibrinolytic drugs to control bleeding tendencies is very important for the control of symptoms and prevention of complications to the heart, kidney, lungs and other major organs. Control of condition and symptoms may get you a “Mild Substandard”.
Do you have regular check-ups with your hematologist?
Regular visit to your hematologist is a good sign of control of the condition and may get you a “Mild Standard” rating. But it may be necessary for laboratory and diagnostic exams to confirm the absence of complications such as organ damage due to severe bleeding episodes.
Do you have lifestyle practices that may put a higher risk to your condition?
Dangerous activities such as physical sports may put you at a higher risk to have injuries and, therefore, bleeding episodes. This may disqualify you for a “Mild Substandard”.
Do you have other medical conditions?
Other medical conditions like liver or kidney disease may put you at a greater risk of bleeding. Pregnancy is also a condition that may have serious effects to your Christmas Disease.
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 Christmas Disease
Christmas Disease is also known as haemophilia B or Factor IX deficiency. It is a blood clotting or blood coagulation disorder that involves the mutation of the Factor 9 gene. It was named after Stephen Christmas who was the first patient with this disease whose case was published also on a Christmas day.
The bleeding episodes of Christmas Disease are genetic in nature and appear to be a lifelong deficiency. Areas most commonly affected by the bleeding include the muscles, joints, and many other enclosed areas where injury is most common.
Factor 9 deficiency can be generally classified from mild, moderate to severe forms in terms of its bleeding tendencies. Moderate to severe forms tend to have spontaneous and serious bleeding episodes into muscles, joints and soft tissues with or without mild injuries. Mild cases of Christmas Disease, on the other hand, bleed if there is trauma, and never spontaneously without cause.
Symptoms of Christmas Disease can be seen as early as childhood where male kids show heavy bleeding episode during circumcision. It also includes manifestations of recurrent hematomas or bleeding on elbows, knees, ankles and other areas. Pain is another symptom that is accompanied by swelling and in rare cases muscle contractures.
Serious complications of Factor IX deficiency include debilitating deformities and or life threatening conditions when bleeding occurs in major organs such as heart and lungs. Blood borne infections are common after transfusion therapy. Massive bleeding can lead to shock and eventually death.
See our other articles on Circulatory Disorders and CLICK HERE!