We know it can be frustrating searching for a life insurance policy with a history of Hirschsprung’s Disease.
The good news is there is hope.
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 Hirschsprung’s Disease? And if so…
2. How much will it cost?
Yes, most individuals with Hirschsprung’s Disease 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 Hirschsprung’s Disease is detected in infancy and surgery performed, most cases have a “Standard” rating. Provided that in childhood there will be no recurrence and display of symptoms of distended abdomen, constipation or slowed growth. Click here for quote at “Standard”.
Moderate Case – Those cases that did not undergo surgery and still shows mild symptoms of impacted stool and malnutrition with no serious complications such as jaundice, 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:
When were you diagnosed with Hirschsprung’s Disease?
Hirschsprung’s Disease is a non-life threatening condition that has a good prognosis if managed early. Most cases that display good recovery may qualify for a “Standard” rating.
You might also be interested in this article ” Life Insurance Approval with Gastroplasty”
Have you experienced any symptoms within the last six months?
Symptoms of abdominal bloating, impacted stool or constipation within the last six months may be a sign of a progressing disease. These cases will require a radiology exam before a health class may be determined whether a “Standard” or “Mild Substandard” is appropriate.
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 complications such as .
Have you had any relevant diagnostic tests in the past 12 months?
A recent radiology or barium enema exam will be most helpful to determine the most appropriate rating of “Standard” or “Mild Substandard”.
Do you have a history of recurring abdominal distention and how many times?
If you already had an abdominal surgery in the past and had a recurrence even once, it will require further evaluation before a rating can be given.
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 Hirschsprung’s Disease
Hirschsprung’s disease is also known as congenital aganglionic megacolon. It is a disorder that involves dysfunctional muscle movement of the large intestine due to absence of the nerves that are responsible for peristalsis.
Because of the absence of movement in the large intestine, stool cannot pass through to the colon creating a blockage in the area. Although the large intestine is the most affected area, Hirschsprung’s disease can also be seen in the esophagus or the stomach.
Since it is a congenital condition, it can be diagnosed immediately after birth as shown by the inability to pass the first stool within 24 to 48 hours. But for some, the symptoms only develop in childhood before the age of 10. The symptoms include fecal impaction, constipation, stunted growth, bloated abdomen and malnutrition. In more serious conditions, jaundice (yellowish discoloration of the skin) may develop.
Surgery is the most appropriate management although in some cases recurrence may still be observed even after resection of the distended colon.
See our other articles on Digestive Disorders and Click Here!