Finding an affordable life insurance policy with Hyperthyroidism can be quite the challenge.
Luckily, you’ve come to the right place.
In fact, tough life insurance cases are our specialty at High Risk Life Insurance Agency.
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 Hyperthyroidism? And if so…
2. How much will it cost?
Yes, most individuals with Hyperthyroidism 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 – If the symptoms of Hyperthyroidism such as elevated thyroid hormones, shortness of breath or increased vital signs are controlled, most cases may qualify for a “Standard” rating. Click here for quote at “Standard”.
Moderate Case – Those cases with complications of thyrotoxicosis that present mild fever, increased heart rate or shortness of breath, but whose symptoms are mostly controlled may still qualify for a “Mild Substandard” health class. Click here for a quote at “Mild Substandard”.
Severe Case – With moderate and recent complications of thyrotoxicosis, the best approval you may obtain is at a “Medium Substandard” rating. Click here for a quote at “Medium 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 or Medium Substandard), please see the questions below:
How many years have you been diagnosed with Hyperthyroidism?
Hyperthyroidism is a not a life threatening condition if symptoms are controlled well. Timely diagnosis will help in early management and, therefore, prevent serious complications such as thyrotoxicosis. Most of controlled cases will qualify for a “Standard” rating.
Have you experienced any symptoms within the last six months?
Symptoms such as shortness of breath, palpitations or arrhythmias may be flare signs of thyrotoxicosis and may get you a “Mild Substandard” or “Medium Substandard” rating.
Are you taking any maintenance medications?
Anti-thyroid medications are very important to take regularly to control thyroid hormones. It is equally important to monitor the blood levels of thyroid hormones to prevent the rebound effect of hypothyroidism. Most cases that have monitored and controlled thyroid hormones may qualify for “Standard” or “Mild Substandard” rating, provided that there are no serious complications presented.
Do you have regular check-up with your endocrinologist?
Regular visits to your endocrinologist will ensure that the condition is monitored, and life insurance companies see this as a good sign.
You might also be interested in reading this article, “Life insurance Approval with Adrenal Mass”
Have you had any relevant laboratory tests in the past 6 months?
Recent laboratory exam for blood TSH, T3, and T4 will show whether the condition is controlled or not. This is the best way to assess your actual condition. This may also confirm your compliance with your physician’s management.
Do you have other medical conditions?
Medical conditions such as diabetes or heart ailments are important to be diagnosed to assess whether it is a separate illness or the result of Hyperthyroidism.
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 Hyperthyroidism
Hyperthyroidism is a genetic autoimmune disorder where the thyroid glands become hyperactive in function. As a result of this, the thyroid hormones thyroid slimulating hormone (TSH), triiodothyronine (T3), or thyroxine (T4) become elevated.
The increased level of these thyroid hormones causes metabolic disorders that may result to serious complications such as thyrotoxicosis or thyroid storm. The most common cause of Hyperthyroidism is Grave’s disease. Other causes, but are less common include: inflammation of the thyroid glands or ingestion of too much thyroid hormone supplements.
Symptoms of hyperthyroidism include enlarged thyroid glands, eye protrusion, obvious mass-like growth on the neck, distended neck veins, increased vital signs, and behavioral symptoms such as irritability, hyperactivity, nervousness, anxiety and insomnia are some of them.
Complications to the heart may show more serious symptoms like shortness of breath, palpitations and arrhythmias.
See our other article on Hormonal Disorders and Click Here