Have you been declined for life insurance due to Costochondritis?
The good news is there is hope.
In fact, tough life insurance cases are our specialty 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 Costochondritis? And if so…
2. How much will it cost?
Yes, most individuals with Costochondritis 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 – Most cases of Costochondritis with no complications related to other conditions such as rheumatoid arthritis, ankylosing spondylitis or breast cancer will qualify for the best rating at “Standard”. This, however, needs to be strongly established because for cases with chronic symptoms of chest pain will require a more thorough evaluation. Click here for quote at “Standard”.
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 Standard rating, please see the questions below:
How many years have you been diagnosed with Costochondritis?
Costochondritis is a manageable condition especially if detected early and the cause identified. Most of the cases with no recurrent and serious symptoms of chest pain that radiates to the arms and back may qualify for the best rating at “Standard”.
Have you experienced any symptoms within the last six months?
Symptoms of severe chest pain that is accompanied by swelling and pain radiation may not be a case of Costochondritis, which will require a thorough medical evaluation before an appropriate rating can be given.
You might also be interested in reading this article “Life Insurance Approval with Myasthenia Gravis”
Are you taking any medication?
The need for medications like nitroglycerine to manage the chest pain may be a sign of a more serious heart condition, which may not qualify for a “Standard” health class. If you, however, do not qualify for this rating you may still get the graded death benefit policy.
Do you have regular check-ups with your cardiologist?
Regular visit to your cardiologist will help isolate a case of Costochondritis from other heart problems. Your physician’s medical evaluation is the best way to assess your actual condition if you may qualify for a “Standard” rating.
Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory and diagnostic tests such as chest radiography and biopsy will show if there are other complications related to your chest pain.
Do you have other medical conditions?
If you have other conditions such as rheumatoid arthritis, fibromyalgia, ankylosing spondylitis, psoriatic arthritis, reactive arthritis or inflammatory bowel disease, the insurance company will require further detailed evaluations before a rating can be determined.
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 Costochondritis
Costochondritis is a common condition characterized by chest pain that involves the cartilages and the ribs between the third, fourth and fifth costochondral joints. The pain can be located anywhere between the left or right breastbone and the sternum.
This syndrome is non-life threatening, but may sometimes mimic a heart or abdominal related chest pain.
Tietze syndrome, on the other hand, which is often mistaken for Costochondritis is a manifestation of painful swelling in the costochondral spaces. The swelling usually occurs between the second or third costochondral joint. Usually, only one joint is affected in Tietze syndrome, which is unlike Costochondritis where pain may involve both sides of the chest at the same time.
Moreover, the pain caused by swelling in Tietze syndrome may radiate to the arms and shoulders and may be worsened by twisting motions, coughing, deep breathing and sneezing, which is unlikely in Costochondritis.
There are common medical conditions associated with the symptoms of Costochondritis including rheumatoid arthritis, fibromyalgia, ankylosing spondylitis, psoriatic arthritis, reactive arthritis and in rare cases, inflammatory bowel disease.
In more serious cases like breast cancer, sarcoma and plasma cell cytoma; it may manifest symptoms of both Costochondritis and Tietze syndrome.
See our other articles on Muscular, Bone and Joint Disorders and Click Here!