Finding an affordable life insurance policy with Fistula-in-Ano can be quite the challenge.
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 Fistula-in-Ano? And if so…
2. How much will it cost?
Yes, most individuals with Fistula-in-Ano 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 – Cases of Anal Fistula that have been detected early and surgical management done, plus complications such as systemic infection prevented may qualify for the best rating at “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 whether you will qualify for the Standard rating, please see the questions below:
How many years have you been diagnosed with Fistula-in-Ano?
Anal Fistula is not a serious disease condition, so if it is detected and managed early, full recovery is certain, and a “Standard” rating is given.
Have you experienced any symptoms within the last six months?
Symptoms of anal itching and pain may be signs of a recurrence, which may require further medical or surgical evaluation. If fever is present, it may be a sign of an infection that may require medical management before a rating can be given to rule out a systemic case. Also, the more recurrences that occur may be a sign of something serious other than just a case of Fistual-in-Ano. In these cases, more diagnostic exams may be required.
Have you had any relevant diagnostic test in the past 12 months?
The most recent diagnostic test result such as an anoscopy or MRI with an endoanal coil will show the extent of the fistula. This may be used to determine if you will qualify for a “Standard” rating.
You might also be interested in reading this article “Life Insurance Approval with Irritable Bowel Syndrome”
Do you have other medical conditions?
Other conditions such as chronic diarrhea or constipation, ulcer or diverticulitis may be signs of more serious conditions, so it needs to be disclosed before a rating can be determined.
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 Fistula-in-Ano
A fistula is a disease condition characterized by an abnormal connection between two separate organs or vessels that are lined with an epithelium. In case of Anal Fistula or also known as Fistula-in-Ano, it is an abnormal connection between the perianal skin (anal sphincters) and the anus. A fistula is usually a disease condition, but in some cases it may be done surgically for therapeutic purposes.
When a Fistula-in-Ano is formed, it creates a blockage where abscess formation follows a tract and is eventually seen as a point of origin in the skin surface. If this is not detected and treated early, the process repeats over and over again creating other fistulas.
The Anal Fistula alone does not pose an immediate danger, but can manifest irritating symptoms of severe pain in the site of the fistula or more seriously, start the spread of systemic infection. Surgery is the most common management to remove the abscess or to repair the fistula. Other symptoms also include the presence of bloody or purulent discharge and itching.
See our other article for Digestive Disorders and CLICK HERE!