We know it can be frustrating searching for a life insurance policy with a history of Encephalitis.
Don’t fret. We can help!
At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.
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 Encephalitis? And if so…
2. How much will it cost?
Yes, most individuals with Encephalitis 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 – The best case scenario for Encephalitis is one that has been diagnosed and treated early, and has past the one year contestability period. If one year has passed and there are no symptoms of neurological deficits or behavior changes, you may qualify for the best rating at “Standard” health class. Click here for quote at “Standard”.
Severe Case – All other cases of Encephalitis that have not recovered completely after a year of medical treatment, and shows complications to the other areas of the central nervous system such as the spinal cord or the nerves, may get an automatic decline.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
If you’re unsure whether you will qualify for a “Standard” rating or will get a decline, please see the questions below:
How many years have you been diagnosed with Encephalitis?
If your Encephalitis incident occurred more than a year ago and there were no long-term complications to the brain, the chances of getting a “Standard” rating is good. If, however, you present cognitive or behavioral symptoms post infection, you may get a decline.
You might also be interested in reading this article “Life Insurance Approval with Narcolepsy”
Have you experienced any symptoms within the last six to twelve months?
Symptoms of high grade fever, severe headache accompanied by agitation, hallucinations or other psychological tendencies, you may have to postpone for at least a year and wait for full recovery of the case. Otherwise, these symptoms may be viewed as serious complications that may get you an automatic decline.
Are you taking any medications for behavioral symptoms?
The need for medications to control behaviors such as agitation, anxiety or other mental problems even after a year has passed following an episode of Encephalitis may get you a decline.
Have you had any relevant diagnostic tests for the past 12 months?
If you have any brain examination tests such as CT-scan, MRI, Lumbar Puncture test, CSF culture or other tests, it will be used to determine the severity of the infection. This will be used to arrive at the most appropriate rating.
Do you have other medical conditions?
Do you have medical conditions such as seizures, frequent severe headaches or uncontrolled behavioral problems? If you do, you may be required for a more thorough medical evaluation to establish the absence of link of such conditions to your previous episode of Encephalitis.
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 Encephalitis
Encephalitis is one of the many infections of the brain, which is one of the most life threatening conditions in medicine. Encephalitis may affect anyone from across all ages. The initial signs and symptoms include fever and headache. When symptoms are left untreated, serious conditions such as altered level of consciousness, seizures, confusion, behavior changes and other neurologic signs (involuntary movements, ataxia, apraxia and many others depending on the brain area affected) may be observed.
Encephalitis may involve infections of the brain parenchyma, the meninges, spinal cord and the nerves. The symptoms in these advanced cases may also show hallucinations, agitation and / or psychotic tendencies.
Detection of the bacteria causing the infection is of urgent concern, so that recovery and prognosis may be good. This can be done through a number of laboratory and diagnostic procedures such as lumbar tap for CSF (cerebrospinal fluid) examination and CSF culture. The results of these tests will be used to determine the most appropriate course of antibiotic or antiviral treatment. Other tests also include CT scan, MRI and EEG.
See our other articles on Neurological Disorders and CLICK HERE!