Having trouble finding affordable life insurance with Hemochromatosis?
Luckily, you’ve come to the right place.
At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.
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 Hemochromatosis? And if so…
2. How much will it cost?
Yes, most individuals with Hemochromatosis 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 – Hemochromatosis being a non-reversible condition needs to be detected early to prevent serious complications of organ damage. Cases that are detected early, asymptomatic, and given prompt treatment may get a “Standard” rating. Provided, however, that laboratory and diagnostic tests can prove this good condition.
There are cases that have been detected early, but already show signs of significant iron accumulation in the blood plasma. These cases may still qualify for a “Mild Substandard” rating. Click here for quote at “Standard” or “Mild Substandard”.
Moderate Case – Those cases that have been diagnosed to have iron deposits in the parenchymal cells in the liver (in its early stage) may still qualify for a “Medium Substandard” rating. It is important to establish that in these cases, patients follow the strict management of the physician. Click here for a quote at “Medium Substandard”.
Severe Case – Cases that have obvious advanced organ damage to the liver, heart or pancreas are considered very serious and may, therefore, get a “Severe Substandard” rating or even a decline. Click here for a quote at “Severe 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, Mild Substandard, Medium Substandard or Severe Substandard), please see the questions below:
How many years have you been diagnosed with Hemochromatosis?
Hemochromatosis is a non-reversible condition, but prognosis and development of complications like liver damage can be significantly slowed down with the right management. Cases also that are asymptomatic may get a good rating. So, if your condition is detected early, the chance of prevention of complications is very high. These cases may qualify for a “Standard” or “Mild Substandard” rating.
Have you experienced any symptoms within the last six months?
Manifestations like skin discoloration, body weakness or diabetes-like symptoms may be early signs of serious complications. These cases may get you a “Medium Substandard” or “Severe Substandard” rating depending on your laboratory and diagnostic tests.
You might also be interested reading this related article, “Life Insurance Approval with Iron Deficiency Anemia”
Do you have a regular check-up with your hematologist?
Regular visits to your doctor will ensure good control of your condition, and insurance companies may see this as a good sign. This may earn you the best possible rating.
Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory test like iron blood plasma or diagnostic exam like ultrasound will give the best evaluation of your actual condition. This may also confirm your compliance with your physician’s management.
Do you have other medical conditions?
Other medical conditions like heart disease or diabetes may be mistaken as a complication of your Hemochromatosis. Further evaluation may have to be done to establish that it is a separate condition, and for the appropriate rating to 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.
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 Hemochromatosis
Hemochromatosis, also spelled as haemochromatosis is a genetically inherited condition that results to the abnormal accumulation of iron in the body. The two classifications of this disease include the hereditary Hemochromatosis and the acquired hemochromatosis from iron overload.
Many cases of Hemochromatosis are asymptomatic during the early stage of the disease. As it progresses, however, the following manifestations are observed like change in skin color, general body weakness, joint aches and pains, lack of sexual libido and non-specific diabetes-like symptoms.
In severe cases, skin pigmentation called hemosiderin is observed, enlargement of the liver and spleen, abnormal heart function, congestive heart failure, yellowish discoloration of the skin (jaundice), loss of body hair, atrophy of the testes, organ failure, liver cirrhosis are among the most common clinical manifestations.
See our other articles on “Circulatory Disorder” and Click Here