Have you been declined for life insurance due to Diplopia?
Luckily, you’ve come to the right place.
At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.
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 Diplopia? And if so…
2. How much will it cost?
Yes, most individuals with Diplopia will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
However, these types of approvals can only be offered by life insurance companies that are accustomed to high risk life insurance cases.
Best Case Scenario – Cases of Diplopia whose cause is unknown and had the last episode at least one year ago may qualify for the best rating at “Standard”. All other cases that have recent symptoms of Diplopia may have to wait for one year to pass before a rating can be given. It must also be established that the cause of the symptom has no serious or life threatening implications as such with a neurological condition as the presence of a tumor. Click here for quote at “Standard”.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
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 Diplopia?
Only cases of Diplopia with at least a year after the last symptom appeared may be rated. Most of the cases that are one year and above may qualify for a “Standard” health class.
You might also be interested in reading this article “Life Insurance Approval after a Transient Ischemic Attack”
Are you taking any medication?
The need for medications for other conditions such as multiple sclerosis or diabetes may indicate a more serious illness or a case that is less than one year. In these cases, you may either need to wait for one year or you may need to have further evaluation to arrive at an appropriate rating.
Do you have regular check-ups with your physicians?
Regular visits to your ophthalmologist and other specialists are very important to determine your actual condition and the source of the symptoms of Diplopia. Your physician’s evaluation will be a helpful tool to determine your appropriate evaluation.
Have you had any relevant diagnostic tests in the past 12 months?
A most recent eye examination or eye refraction test is one of the most important tools to determine if you may qualify for a “Standard” health class.
Do you have a family history of blindness in the family?
An untreated case of Diplopia may, but rarely result in blindness, and a family history of this case may help insurance companies to arrive at an appropriate rating.
Do you have other medical conditions?
Other health conditions such as cataract, infection or tumor may be a sign of other more serious illnesses that may require additional evaluation before an appropriate rating can be given.
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.
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 Diplopia
Diplopia, also known as double vision is a problem of the eyesight where a person sees images in duplicate or in twos. Duplicate images can appear vertically, horizontally or diagonally, and it may affect one (monocular) or both (binocular) eyes.
Usually, Diplopia is caused by a problem in the extraocular muscles (EOMs) of the eyes, which can be mechanical in nature, caused by cranial nerve impairment or disorders in the neuromuscular junction of the eyes. Disorders related to Diplopia include corneal injuries, pytergium, keratoconus, uncorrected refractive errors, cataracts, infection, myositis, tumor, diabetes, multiple sclerosis, migraine headache, strabismus are among them.
When Diplopia appears it is usually the first signal of a systemic disorder that is either neurological or muscular in nature. When Diplopia manifests it is often accompanied by imbalance or movement problems and more often reading difficulties.
See all our other articles on Head and Brain Disorders and CLICK HERE!