We know it can be frustrating searching for a life insurance policy with a history of Cushing’s Syndrome.
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 Cushing’s Syndrome? And if so…
2. How much will it cost?
Yes, most individuals with Cushing’s Syndrome will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you won’t be able to get this rating through your auto insurance company.
Best Case Scenario – If Cushing’s Syndrome is detected early, symptoms of rapid weight gain, other hormone-related conditions or behavioral symptoms are controlled and complications to the major organs prevented (after one year of treatment), most cases may have a “Standard” rating. Also, if the case is determined to be a pseudo-Cushing’s syndrome, then it also qualifies for the best rating. Click here for quote at “Standard”.
Those cases, however, that have finished one year of treatment but still show mild increase of cortisol levels or the presence of benign tumors in the pituitary or adrenal glands may still qualify for the “Mild Substandard” rating.
Moderate Case – Those cases of Cushing’s Syndrome with benign tumors either to the pituitary or adrenal glands that have chronic or recurring symptoms of hypertension, increased blood sugar levels or immune suppression may still qualify for a “Medium Substandard” health class. Click here for a quote at “Medium 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 (Standard, Mild Substandard or Medium Substandard), please see the questions below:
How many years have you been diagnosed with Cushing’s Syndrome?
Cushing’s Syndrome is a controllable condition and the glucocorticoid-related symptoms and organ complications can be managed and prevented. Longevity of the condition, however, especially those with unmanaged cases may have increased probability of more serious complications to the heart, lungs or liver.
Have you experienced any symptoms within the last six months?
Symptoms of sudden weight gain, hair loss or excessive hair and/or marked increase of cortisol levels may be flare signs of a worsening condition. These symptoms may be warning signals which may cause a “Medium Substandard” rating. You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
Have you been referred for any surgery?
The presence of tumor in the pituitary or adrenal glands may be managed and treated through surgery (excision of the tumor). If you have undergone surgery and one year had passed, you may qualify for a “Standard” or “Mild Substandard” rating, provided that there are no symptoms of increased cortisol levels or hypertension.
You might also be interested in reading this article “Life Insurance Approval with Amenorrhea”
Are you taking any medication?
The need for medications to control the cortisol levels may have positive and negative effects, but the deciding factor for the rating is if the symptoms of Cushing’s Syndrome are controlled. The side effects of medications like ketoconazole and metyrapone should also be weighed against the therapeutic effects.
Do you have regular check-ups with your endocrinologist?
Regular visit to your doctor is very important, so that complications to the other organs may be delayed if not totally eliminated. Working closely with your endocrinologist is a good sign of control of the condition and may get you a “Mild Substandard” rating. It is, however, necessary for laboratory and diagnostic exams to confirm the absence of complications.
Have you had any relevant diagnostic tests in the past 12 months?
Recent blood test to determine the level of cortisol is the best way to assess your actual condition. This may confirm your compliance with your physician’s management.
Do you have other medical conditions?
Other medical conditions such as kidney injury, liver infection or diabetes may have a significant effect to your condition. The best rating you may get is at a “Medium Substandard” 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 Cushing’s Syndrome
Cushing’s syndrome is a medical condition characterized by signs and symptoms associated with high levels of cortisol in the body. The high level of cortisol may be the result of the abnormal production of ACTH by the pituitary glands causing the adrenal glands to produce excess levels of the hormone.
The hyperactivity of the pituitary gland can be due to problems such as hyperplasia or presence of a tumor in the brain. Cushing’s syndrome symptoms can also be due to administration or intake of too much glucocortisoids. Lastly, high levels of cortisol can also be due to the presence of tumor in the adrenal glands.
Symptoms of Cushing’s syndrome include obesity or marked weight gain especially in the trunk area, absence of menses, general fatigue and weakness, hypertension, abdominal stretch marks, baldness or hirsutism (excessive hair), increased blood glucose, osteoporosis, presence of fat pads in the collarbone area (buffalo hump) or face (moon face), thinning and dryness of the skin, excessive sweating, reduced libido or impotence, edema, immune system suppression and many other glucocorticoid-related manifestations including cognitive and behavioral signs.
Diagnosis of Cushing’s Syndrome need to be established accurately, otherwise, other pseudo-Cushing syndrome symptoms may be mistaken for the real one.
See our other articles on Hormone Disorders and Click Here!