We know it can be frustrating searching for a life insurance policy with a history of Iritis.
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 Iritis? And if so…
2. How much will it cost?
Yes, most individuals with Iritis will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you’ll need to apply with a life insurance company that is accustomed to impaired risk cases, not an auto insurance company that just happens to also offer life insurance.
Best Case Scenario – If Iritis is detected early, symptoms of eye reness, deep pain and blurred vision are controlled and complications such as glaucoma or cataract prevented, most cases may have a “Standard” rating. Iritis with low level of inflammation will also qualify for the best case scenario. Click here for quote at “Standard”.
Moderate Case – Those cases of Iritis with moderate complications such as cataract or macular edema may qualify for a “Mild Substandard” rating. However, the symptoms of sensitivity to light, deep pain and adhesion should be mostly controlled. 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 Iritis?
Iritis was named as the third most preventable cause of blindness, but the symptoms of blurred vision, eye swelling and redness should be detected early so that complications can be managed well. Most cases that have been detected early will qualify for a “Standard” rating.
Have you experienced any symptoms within the last six months?
Symptoms such as deep pain around the eyes, redness or presence of floaters might be signs of progressing anterior uveitis. These symptoms if managed early will earn you the best rating, but if it is left untreated for the last 6 months may lead to moderate complications such as glaucoma. In these cases, the best rating you may get is at “Mild Substandard”.
You also might be interested in reading “Life Insurance Approval with Glaucoma”
What was the last physical evaluation that you had?
The result of your eye examination is very helpful in determining an appropriate rating. If the swelling is given a scale of 1 or 2, you might qualify for the “Standard” rating, but if get a scale of 3 or 4, the best rating you may get is at “Mild Substandard” or in severe cases a decline. It is also matters whether one eye or both eyes are affected with anterior uveitis.
Is your condition acute or chronic?
Acute Iritis that is treated early has the best chance of a “Standard” rating. However, chronic cases of anterior uveitis may only have the best rating at “Mild Substandard”.
Do you have a history of corneal scarring or ulcers?
The presence of corneal scarring or ulcers is a sign of a moderate case of Iritis, and the best rating you may get is only at “Mild Substandard”.
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 Iritis
Iritis, also known as anterior uveitis is the swelling and inflammation of the iris of the eyes. There are also cases when the ciliary body of the eyes are affected and this is referred to as iridocyclitis. Anterior uveitis is named as the third leading cause of preventable blindness around the world, which is why early detection and treatment is very crucial.
Iritis can be acute or chronic, but symptoms are similar. It includes sensitivity to light, eye redness, blurred vision, headache, deep pain around the eyes, unusual changes of the pupils, presence of dark spots called “floaters” in the visual field and accumulation of protein and white blood cells in the anterior chamber of the eyes as seen from a slit lamp examination. In severe cases, synechia is observed (adhesion of the iris to the cornea or lens).
There are a number of causes of anterior uveitis such as eye injury, infection such as leptospirosis, tuberculosis and syphilis or in some cases an autoimmune conditions like juvenile idiopathic arthritis, sarcoidosis and spondyloarthritis. Treatment depends on the causative factors, but the common management methods include the use of topical corticosteroids to decrease the inflammation, dilating drops if there is beginning adhesion, and in cases of infection, an antimicrobial or anti-viral agent will also be administered.
There are possible complications for an untreated case of Iritis, which include glaucoma, macular edema, cataracts and in severe cases permanent loss of vision.
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