Finding an affordable life insurance policy with Coccidioidomycosis can be quite the challenge.
Luckily, you’ve come to the right place.
Indeed, we help individuals of all ages and all sorts of medical conditions at High Risk Life Insurance Agency.
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 Coccidioidomycosis? And if so…
2. How much will it cost?
Yes, most individuals with Coccidioidomycosis will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you’ll need to apply with a life insurance company that is accustomed to impaired risk cases, not an auto insurance company that just happens to also offer life insurance.
Best Case Scenario – If Coccidioidomycosis is not a case that requires surgery (lobectomy), or has been operated to remove the infected areas of the lung, and which has been successful, then it can qualify for the best rating at “Mild Substandard”.
Provided, however, that the condition has been stable for 6 months and do not show any recurring symptoms of lung infection or flu-like symptoms. Click here for quote at “Mild Substandard”.
Severe Case – With severe and recent complications of systemic infection or dissemination to the lungs, muscle or joints, bones, skin, soft tissues, and meninges, you may 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 a “Mild Substandard” health class, please see the questions below:
When where you diagnosed with Coccidioidomycosis and did you have any history of relapse or recurrence?
Coccidioidomycosis is a preventable condition, and the symptoms of headache, fever or muscle and joint pains can be managed well if diagnosed early. Recurrence and serious complications to the lungs, skin and meninges can also be prevented. If your case has been resolved and there are no relapses or recurrence of the condition, you may qualify for a “Mild Substandard” rating.
Have you experienced any symptoms within the last six months?
Flu-like symptoms such as fever, headache and cough may be fare signs of a recurrence or serious complications of Cocci infection, which may get you a decline. In addition, if you have been diagnosed with meningitis as a complication of Coccidioidomycosis, you will automatically get a decline. You may, however, still qualify for a graded death benefit policy.
Are you taking or did you take any antifungal medication when you had the Valley Fever infection?
The need for antifungal medication such as fluconazole itraconazole or ketoconazole to treat complications to the heart, lungs, kidney or other organs indicate a serious Cocci infection, which may get you a decline.
You might also be interested in reading this article “Life Insurance Approval with Celiac Disease or Celiac Sprue”
Have you had any relevant diagnostic tests in the last 6 months?
Recent blood exams to screen for fungal antigen or host antibodies may indicate a previous or recent infection. Diagnostic tests such as biopsy or an ordinary chest x-ray will show the current state of the lungs. These medical examinations will be the best tools to assess your actual condition, whether you will qualify for a “Mild Substandard” rating or not.
Have you been relocated in any of the following areas?
There are specific areas where Valley Fever infection is endemic such as Utah, Arizona, Northern or New Mexico, Texas, Nevada and California. If you have been exposed in these areas for the last 6 months, you may have to undergo further evaluation before a rating can be determined.
Do you have other medical conditions?
Medical conditions such as cancer or HIV may put you in a compromised state of health, which 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 Coccidioidomycosis
Coccidioidomycosis is also known by the names cocci, valley fever, California fever, desert rheumatism and San Joaquin valley fever. It is a local or systemic infection caused by the soil-dwelling fungus from the Coccidioides posadasii or Coccidioides immitis family.
Valley fever infection can happen by inhalation of the particles or direct exposure to the microorganism. Usually, the soil contaminated by Coccidioides is found in uncultivated land areas or desert soils. Studies have shown that there is significant increase in cases during dry season after the rainy months of the year.
Some 40 to 60 percent of individuals who have Cocci infection remain asymptomatic. But for the remaining cases, individuals may present flu-like symptoms like headache, fever, muscle and joint aches or pains, rashes around the neck area or lower limbs, cough and in rare cases, chest pain.
Complications are rare, but usually when they occur it affects people with compromised immune system. Complications include severe joint pains (arthralgia), primary pulmonary coccidioidomycosis or dissemination of the infection outside of the lungs such as the skin, soft tissues, joints, bones and in serious cases, the meninges.
See our other articles on Immune Disorders and CLICK HERE!