Life Insurance Approval with Dementia

in Neurological Disorders

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We can certainly help you with Life Insurance Approval with Dementia!

Have you been declined for life insurance due to Dementia?

The good news is there is hope.

Indeed, we help individuals of all ages and all sorts of medical conditions at High Risk Life Insurance Agency.

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 Dementia? And if so…

2. How much will it cost?

noM_uOSMBY_OeDbVtPaa2Q4OWcFb01V-pjQ362VSRiYCan Individuals with Dementia Qualify for Life Insurance?

Yes, most individuals with Dementia 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.

Consumer APPROVAL Report:
Learn the 5 most lenient insurance companies that approve (almost) anyone, including the company we send 90% of our tough cases to..








3B7dnAUzgXH6Bwx2VPotTiljdO4Mt4NawSqjyrJ7pP0How Much Will it Cost?

Severe Case – Dementia is considered a high risk case that’s why all cases will automatically get a decline. With severe and recent complications of cognitive and behavioral symptoms such as loss of memory and problem solving skills, a decline is certain.

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 any of the above health classes or if you will get a decline or not, please see the questions below:

How many years have you been diagnosed with Dementia?
Dementia is a chronic case that is slowly or rapidly progressing over time, and the symptoms and complications can be managed only at the early stage because as they progress they become debilitating. Longevity of the condition increases the probability of a sure decline.

Have you experienced any symptoms within the last six months?
Symptoms of diminishing memory or inappropriate perception for the last six months or more can be a positive sign of Dementia and can get you a decline. You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.

Are you taking any medications?
The need for medications for memory aid, management of agitation or depression may be signs of an ongoing case of Alzheimer’s disease or mixed Dementia.

You might also be interested in reading this article “Life Insurance Approval with Chorea”

Do you have regular check-ups with your neurologist?
If you have regular visits to your doctor, his or her evaluation will be the basis of your insurance rating. A positive diagnosis for Dementia means an automatic decline.

Do any of your family members have a history of Dementia or Alzheimer’s disease?
If you have a family member that has a history of Dementia or Alzheimer’s disease, it may be used as a reason to require for a more thorough evaluation to come up with a definitive diagnosis.

Do you have other medical conditions?
Medical conditions such as Maple syrup urine disease, Fragile X-associated tremor/ataxia syndrome, Cerebrotendinous xanthomatosis, Neuroacanthocytosis, Neuronal ceroid lipofuscinosis or Urea cycle disorders may be the one causing the symptoms, which means you may be required a thorough evaluation to determine if you have or do not have Dementia.

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.

How to Get a Quote

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 Dementia

Dementia is a condition characterized by serious and chronic loss of cognitive abilities. The impairment can be caused by ageing, brain injury or other related illnesses. It is most common in people who are above 65 years of age, although it can also impair individuals before 65.

Neurological conditions that are associated with Dementia symptoms include but are not limited to the following: Maple syrup urine disease, Fragile X-associated tremor/ataxia syndrome, Cerebrotendinous xanthomatosis, Neuroacanthocytosis, Neuronal ceroid lipofuscinosis, and Urea cycle disorders are among them.

Dementia is a non-specific syndrome, rather than a single disease. It is the result of a set of signs and symptoms that affect intellectual, mental and emotional capacities such as attention, language, memory, perception and problem solving skills. Some of the most common symptoms of Dementia include loss of orientation to person, time, place and events, inability to learn and follow instructions, loss of thought patterns, restlessness, agitation, depression, anxiety are among them.

A diagnosis can be made if the symptoms appear for 6 successive months. If the signs are less than six months, then it is referred to as delirium. There are also cases with mixed symptoms with Alzheimer’s disease, which is referred to as mixed Dementia.

See out other article on Neurological Disorders and Click Here!

Consumer APPROVAL Report:
Learn the 5 most lenient insurance companies that approve (almost) anyone, including the company we send 90% of our tough cases to..








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