Having trouble finding affordable life insurance with Dubin-Johnson Syndrome?
Don’t fret. We can help!
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 Dubin-Johnson Syndrome? And if so…
2. How much will it cost?
Yes, most individuals with Dubin-Johnson Syndrome 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 of the cases of Dubin-Johnson Syndrome have a good prognosis that is why most of these cases may get a “Standard” rating. 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 Dubin-Johnson Syndrome?
Dubin-Johnson Syndrome is a benign condition that is why most of these cases will qualify for a “Standard” rating. It is, however, very important to rule out other blood conditions.
You might also be interested in reading this article ” Life Insurance Approval with Arteriovenous AV Malformations”
Do you have regular check-ups with your hematologist?
Regular visits to your doctor mean that your condition is controlled and life insurance companies see this as a good sign. Your doctor’s evaluation will be used to determine if you qualify for the “Standard” rating.
Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory blood tests to confirm hyperbilirubinemia.and how elevated they are may determine if you may qualify for the “Standard” rating. It may also confirm your compliance with your physician’s management.
Do you have other medical conditions?
The presence of other blood abnormalities may require a more thorough medical evaluation before a rating can be given.
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 Dubin-Johnson Syndrome
Dubin Johnson Syndrome or DJS is a rare and benign genetic disorder that involves problems with bilirubin metabolism. This condition results in the accumulation of conjugated, unconjugated or mixed bilirubin in the blood.
DJS is due to an acquired autosomal recessive gene that manifests as a malfunction of the liver tissues in the production of conjugated bilirubin into the bile. Dubin Johnson Syndrome is a lot common with Rotor syndrome and Gilbert’s syndrome because both present symptoms of hyperbilirubinemia.
Dubin Johnson Syndrome is commonly asymptomatic, but can be detected as early as infancy via a blood test for bilirubin levels. In adults and children, DJS may present symptoms of low-grade fever, jaundice or yellowish discoloration of the skin and elevated levels of bilirubin in the bloodstream.
See our other articles on Circulatory Disorders and CLICK HERE!