Have you been declined for life insurance due to Goiter?
The good news is there is hope.
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 Grave’s Disease? And if so…
2. How much will it cost?
Yes, most individuals with Goiter will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you will need to speak with a knowledgeable, independent agent, who is licensed with several life insurance companies for your best chance at approval.
Best Case Scenario – Grave’s Disease or Goiter’s prognosis is always measured by the function of the heart. If there are mild to moderate symptoms of heart irregularities such as palpitations or sinus tachycardia, then the best rating at “Standard” may be given. In cases with cardiac abnormalities that are diagnosed in laboratory exams, but are proven with mild symptoms of arrhythmias may also be rated at “Standard”. Click here for quote at “Standard”.
Moderate Case – Those cases with mild to moderate cardiac symptoms of palpitations but occur more frequently may still qualify for “Mild Substandard” rating. Grave’s Disease with moderate cardiac abnormalities such as premature ventricular fibrillations, but whose symptoms are mostly controlled may still qualify for a “Mild Substandard” health class. Click here for a quote at “Mild Substandard”.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
If you’re unsure which of the above health classes to quote yourself at (Standard or Mild Substandard), please see the questions below:
How many years have you been diagnosed with Grave’s Disease?
Grave’s Disease is a non-preventable condition, but the symptoms of palpitations and complications to the heart can be managed if detected early. Longevity of the condition, however, increases the probability of complications, especially if it is not managed properly.
Have you experienced any symptoms within the last six months?
Symptoms of abnormal heartbeats, arrhythmias or hypertension may be flare signs of Goiter. These symptoms are warning signals of a moderate case of Grave’s Disease, which may cause a “Mild Substandard”.
You might also be interested in reading this article “Life Insurance Approval with Coccididomycosis”
Are you taking any maintenance medication?
The need for medications for heart conditions or hypertension may or may not be a good sign depending on the seriousness of your symptoms or laboratory findings. Physical findings and diagnostic exams should both confirm the absence of serious complications to the heart before a rating can be given.
Do you have regular check-ups with your endocrinologist and/or cardiologist?
Regular visit to your endocrinologist and/or cardiologist is necessary because their medical evaluation will be used to assess the most appropriate rating for you whether you will qualify for a “Standard” of “Mild Substandard” health class.
Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory findings for TSH, T3 and T4 are the best ways to assess your actual condition. This may also confirm your compliance with your physician’s management. In some cases, a CT scan or ultrasound may also be necessary.
Have you undergone any surgery as a means of management for Goiter?
There are cases of Grave’s Disease that may require thyroidectomy as the best option of management. And if these cases and managed successfully, it may qualify for the best rating at “Standard” health class.
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 Goiter
Goiter alone is not the disease but a symptom, which is characterized by the overgrowth of the thyroid glands. This can be seen as the enlargement of the neck on the part of the larynx.
Grave’s Disease, on the other hand, is an autoimmune disorder caused by the hyperactive immune system activity. This hyperactive activity causes hyperthyroid symptoms such as muscle weakness, irritability, sleep problems, increased heartbeat, bulging eyes (exophthalmos) and pitting edema (swelling of the lower legs). Of all the symptoms, the last two are diagnostic marks of Grave’s disease.
Other signs and symptoms of Grave’s Disease include hand tremors, hair loss, hyperactivity, tremors or shaking hands, heat intolerance, excessive sweating, itchiness, loss of appetite, palpitations, and diarrhea. The most serious symptoms that result to complications to the heart include abnormal heartbeats, sinus arrhythmias, premature ventricular fibrillations, sinus tachycardia or hypertension.
In some cases, people with Grave’s Disease also manifest behavioral changes such as depression, agitation, mania, psychosis or anxiety. Diagnosis of Grave’s Disease is initially done by physical assessment and a series of laboratory exams’ TSH (thyroid stimulating hormone), T3 and T4. And in cases where a thyroidectomy surgery is done, a biopsy can be obtained.
See our other articles on Immune Disorders and CLICK HERE!