We know it can be frustrating searching for a life insurance policy with a history of Kyphosis.
The good news is there is hope.
Indeed, we help individuals of all ages and all sorts of medical conditions 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 Kyphosis? And if so…
2. How much will it cost?
Yes, most individuals with Kyphosis 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 – Most cases of Kyphosis usually get the “Standard” rating especially if the condition is detected early and the symptoms of pain and disability from daily activities are controlled. Complications like breathing problems and heart problems due to the spinal curvature should also be prevented. Click here for quote at “Standard”.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
If you’re unsure whether you will qualify for the “Standard” rating, please see the questions below:
How many years have you been diagnosed with Kyphosis?
Kyphosis is a non-debilitating condition and the symptoms of pain from the spinal curvature can be easily managed especially if detected early, managed well and the cause identified. Complications to the heart, lungs or digestive system only progress if the symptoms are untreated. So, if your case is well managed, the chance of getting a “Standard” rating is high.
Have you experienced any symptoms within the last six months?
Symptoms of severe pain, inability to move freely or difficulty of breathing may be serious signals of a worsening case of Kyphosis. In these cases, further medical evaluation is necessary before a rating can be given.
What is the cause of your Kyphosis?
Kyphosis due to ageing is easier to manage than those that are idiopathic (unknown cause) in nature or are those caused by spinal injury. Degenerative Kyphosis such as those caused by osteoporosis has a better chance at getting a “Standard” rating.
You might also be interested in reading this article on “Life Insurance Approval with Costochondritis”
Are you doing any focused strengthening exercises or are wearing braces?
The need for these therapy methods is important because they help minimize the symptoms of pain and aid the individual to perform the daily activities. Absence of any method of control or management may result to serious complications like breathing problems, which may not earn you the “Standard” rating.
Do you have any history of spinal surgery?
Spinal surgery such as Kyphoplasty may be necessary to correct the curvature and to prevent recurring pain. If you had a successful operation you will definitely qualify for the “Standard” rating. You, however, must provide the surgical record and the most recent doctor evaluation and diagnostic findings such as x-ray, CT scan or MRI to qualify for the best rating.
Do you have a family history of bone cancer?
This question is important to answer because although it is not common, Kyphosis may also be due to an abnormal growth in the spinal cord.
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 Kyphosis
Kyphosis, or in Greek, “kyphos” is a condition where there is an abnormal outward curvature of the spinal cord. The hump as it is also commonly referred to in layman’s term can also be inward, which is called lordosis.
The abnormal curvature may affect any part of the cervical or lumbar area of the spine. The curvature’s severity is based on the degree of curvature, which in the same way also affects the manifeststion of the symptoms.
Common causes of Kyphosis may be due to the degenerative process in ageing, developmental abnormalities in children (Scheuermann’s disease), arthritis, osteoporosis, bone compression and spinal injury.
Physical examination may show obvious signs of deformity to the spine depending on the degree of curvature, slouching, presence of a hunch or bowing of the back. Symptoms may include pain, breathing problems, digestive problems, heart irregularities, neurological conditions and in highly severe cases shortened life span of individuals.
Management of Kyphosis includes physical rehabilitation and monitoring and in moderate to severe cases, spinal fusion surgery. Diagnosis is confirmed by a simple x-ray or a bone density scan.
See all our other articles on Muscular, Bone and Joint problems and Click Here