Have you been declined for life insurance due to Guillain-Barre Syndrome?
Luckily, you’ve come to the right place.
In fact, tough life insurance cases are our specialty at High Risk Life Insurance Agency.
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 Guillain-Barre Syndrome? And if so…
2. How much will it cost?
Yes, most individuals with Guillain-Barre Syndrome 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 – If Guillain-Barre Syndrome is diagnosed early and symptoms of respiratory problems managed well, most cases have a “Standard” rating. After full recovery and absence of irreversible complications are ascertained, then the best rating is given. Click here for a quote at “Standard”.
Moderate Case – Those with mild complications that require longer physical therapy but are sure to have good prognosis 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.
Common Questions to Assess Rating Class
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 Guillain-Barre Syndrome?
Guillain-Barre Syndrome is a manageable condition if detected and treated early. If the symptoms of respiratory involvement do not leave debilitating conditions, the chance of getting a “Standard” rating is high.
Are you taking any medication after the GBS attack?
The need for medications for heart conditions may be a sign of a moderate complication and may earn you a “Mild Substandard” health class.
You might also be interested in reading this article “Life Insurance Approval with Chorea”
Did you require a longer therapy after the acute stage of Guillain-Barre Syndrome?
Longer physical therapy session than what is usually required may be a sign of a more serious complication during the acute phase, which may earn you a “Mild Substandard” rating.
Did you have other complications during confinement for Guillain-Barre Syndrome?
If you had other complications such as bedsores or muscle contractures, the best rating you may get is a “Mild Substandard” rating.
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 Guillain-Barre Syndrome
Guillain-Barre Syndrome (GBS) is also called by the names Guillain–Barré–Strohl syndrome and Landry’s paralysis. It is an acute condition that severely affects the peripheral nervous system. GBS is an autoimmune disorder characterized by polyneuropathy, which is often triggered by an infection that is without signs of fever (areflexia).
The marked symptom of Guillain-Barre Syndrome is the ascending paralysis that begins with the weakness of both feet, then hands, which migrates to the trunk. In some cases with life threatening complications, it affects the respiratory system as the autonomic nervous system gets involved.
In the early onset of Guillain-Barre Syndrome, pain in the neck, shoulder blade and back are observed. There are also cases with reported bladder function involvement, especially in severe cases. Still in some cases, pain and temperature sensation may become absent.
When the lower cranial nerves are involved, there may also be signs of difficulty swallowing, drooling and airway problems. When airway problems occur, it is very important that ventilatory assistance be started immediately to avoid life-threatening and irreversible conditions. Life threatening condition may be manifested by changes in circulatory function, sinus tachycardia (fast heartbeat) or sudden fall of blood pressure (orthostatic hypotension).
Diagnosis of Guillain-Barre Syndrome is done with examinations of the cerebrospinal fluid to determine the level of protein. Treatment is usually supportive and is the key management if Guillain-Barre Syndrome is to have good prognosis. 80 to 85% of cases have good recovery in about four weeks from the start of symptoms.
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