Finding an affordable life insurance policy with Claudication can be quite the challenge.
Don’t fret. We can help!
At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.
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Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Claudication? And if so…
2. How much will it cost?
Yes, most individuals with Claudication 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 – The best scenario may only be applicable for intermittent (vascular) or jaw Claudication. These cases are due to blood insufficiency, which causes the symptoms of pain, limping or other walking problems. These symptoms, however, may have a good prognosis when treated early and managed well. Because these cases are usually mild, the symptoms of cramping, muscle spasm or jaw pain are often relieved by rest. Most of these cases may qualify for a “Medium Substandard” rating. Click here for quote at “Medium Substandard”.
Severe Case – Severe cases are those that have other medical conditions like cerebrovascular disease, coronary artery disease or diabetes. Spinal or neurogenic Claudication also falls under the severe category because of the seriousness and possible risk to the spine. Abrupt nerve compression can lead to sudden heart attack or worst death. The best approval you may obtain is at a “Severe Substandard” rating. 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 (Medium Substandard or Severe Substandard), please see the questions below:
How many years have you been diagnosed with Claudication?
Claudication is a preventable condition when detected early; the symptoms of gait problems can be controlled and complications to the heart prevented. It must also be established what is the primary cause of Claudication, so the appropriate rating can be determined. If your condition is controlled, you may qualify for a “Medium Substandard” rating. If it is uncontrolled, your best rating can only be at “Severe Substandard”. If you do not qualify for the traditional coverage, you could still be eligible for a graded death benefit policy.
Have you experienced any symptoms within the last six months?
Symptoms of limping of the lower extremities, muscle cramps or spasm that are relieved by rest may be considered mild cases of Claudication and may qualify for a “Medium Substandard” health class.
You might also be interested in reading this article, “Life Insurance Approval with Christmas Disease”
Are you taking any medications?
The need for alpha 1 or 2 blockers such as Pletal is very important in the control of the blood circulation and the symptoms. Therefore, compliance with your medication and control of the symptoms of tired muscles or pain may earn you a “Medium Substandard” rating.
Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory test for blood levels of cholesterol is very important to determine your compliance to your physician’s management. It may also confirm the control of your symptoms of walking problems and pain.
Do you have lifestyle practices that may put a higher risk to your condition?
If you smoke and have unhealthy lifestyle practices, this puts your condition at greater risk of developing heart disorders and may get you a “Severe Substandard” rating or in worst cases a decline. But if you do not qualify for the traditional coverage, you could still be eligible for a graded death benefit policy
Do you have lifestyle practices that promote the slowdown of your disease progression?
This includes regular exercise, balanced diet, proper hygiene, care of the feet and the necessary precaution against possible injuries or trauma.
Do you have other medical conditions?
A history of heart disease or diabetes may get you a “Severe Substandard” rating if your Claudication symptoms are controlled. If not, you may have to undergo further medical evaluation to determine the appropriate rating.
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 Claudication
Claudication is not the disease itself, but a condition found in certain illnesses – the most common of which is peripheral arterial disease (PAD). It is a medical term that means limping, which is the result of a blockage in the arteries of the limbs.
The symptoms of Claudication include limping of the lower extremities, impaired or slow gait, walking problems, discomfort, tired muscles and pain of the legs. Usually, these symptoms appear due to prolonged walking or exercise, Claudication symptoms can be anywhere from mild to severe, but is relatively relieved by rest.
The most common areas affected by Claudication are the feet, legs thighs, buttocks, hips or arms. Measurement of the symptoms are done using city street blocks as the marker; one block claudication describes pain after walking one street, two street block after two blocks and so on.
Types of this condition include intermittent (vascular or arterial) Claudication, which is caused by poor circulation; neurogenic or spinal Claudication, which is due to nerve compression; and jaw Claudication, which is due to arterial blood insufficiency.
The most common complication of Claudication is cardiovascular disease that can lead to heart attack and eventually sudden death.
See our other articles on Circulatory Disorders and CLICK HERE!