Finding an affordable life insurance policy with Gilbert’s Syndrome can be quite the challenge.
Luckily, you’ve come to the right place.
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 Gilbert’s Syndrome? And if so…
2. How much will it cost?
Yes, most individuals with Gilbert’s Syndrome 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 – If Gilbert’s Syndrome is detected early, symptoms of jaundice and body weakness are controlled and complications to the liver such as the result of drug toxicity prevented, then most cases have 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 health class, please see the questions below:
When were you diagnosed with Gilbert’s Syndrome?
Gilbert’s Syndrome is a non-life threatening condition and is often asymptomatic. There are rare complications when detected and managed early except when drug toxicity occurs, which is why most cases of this condition qualify for the “Standard” rating.
Have you observed any symptoms of jaundice within the last six months?
Symptom of jaundice is the marker of the severity of Gilbert’s Syndrome, and if you experienced it very recently then it is a sign of a current bilirubin shoot-up. This cases may require a more detailed medical evaluation to determine the source of acute jaundice.
You might also be interested in reading this article ” Life Insurance Approval with Liver Disease”
Do you have regular check-ups with your gastroenterologist?
Regular visit to your gastroenterologist is a good sign of control of the condition and may get you a “Standard” rating. It is, however, necessary for laboratory and diagnostic exams to confirm the absence of secondary complications to the liver.
Do you have other medical conditions?
Other medical conditions such as hepatitis, liver infection or liver cancer may also show signs of jaundice that’s why it is important to establish any liver complications 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 Gilbert’s Syndrome
Gilbert’s Syndrome (GS) goes by many names such as Gilbert–Meulengracht syndrome, familial benign unconjugated hyperbilirubinaemia, unconjugated benign bilirubinemia and constitutional liver dysfunction are among them.
Gilbert–Meulengracht syndrome is a genetic liver condition that causes a malfunction in the organ resulting to increased bilirubin production (hyperbilirubinemia). The main and hallmark symptom of the disorder is jaundice (yellowish discoloration of the skin), which is due to hyperbilirubinemia.
Gilbert’s Syndrome remains asymptomatic in usual cases, but if there is marked elevation of bilirubin in the blood, then mild to severe jaundice appears, which is also used in determining the severity of the condition. Other symptoms may include lack of concentration, generalized weakness, tea-colored urine, light-colored stools, lack of appetite, loss of weight, stomach pain and itching.
Some, but rare cases of Gilbert–Meulengracht syndrome maybe at a higher risk of paracetamol toxicity due to the absence of the enzyme needed to metabolize it in Gilbert’s Syndrome.
See all out other articles on Liver Disorders and CLICK HERE!