We know it can be frustrating searching for a life insurance policy with a history of Lipoid Nephrosis.
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 Lipoid Nephrosis? And if so…
2. How much will it cost?
Yes, most individuals with Lipoid Nephrosis 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.
How Much Will it Cost?
Best Case Scenario– Lipoid Nephrosis only get one rating and that is at “Medium Substandard”. These are for conditions, whose primary disease has been detected early, and complications of serious kidney damage prevented. Most of these cases have recovered fully and have been stable for 2 years already. Click here for quote at “medium substandard“.
Common Questions to Assess Rating Class
If you’re unsure if you will qualify for Medium Substandard, please see the questions below:
What is the primary disease that caused your Lipoid Nephrosis?
Full awareness of your condition has the best chance of good management, and if you know the answer to this question, you may get a good chance to get a Medium Substandard rating.
How many years since you had the first episode of Lipoid Nephrosis?
Lipoid Nephrosis is a progressing condition, but the complications of serious kidney injury may be prevented with early management. Longevity of the condition without proper treatment, however, increases the probability of complications such as renal failure.
You might also be interested in this article “Life Insurance Approval with Nephritis”
Have you experienced any symptoms within the last six months?
Symptoms such as proteinuria, hematuria and hypertension may be flare signs of the primary disease. These symptoms may be warning signals of an impending renal failure, which may get you a “Medium Substandard” rating or in worst cases even a decline.
Do you have regular check-ups with your nephrologist?
Regular visit to your doctor is very vital to ensure good control of your condition. And good control is a good sign for life insurance companies, which may earn you a “Medium Substandard” rating.
Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory exam of your creatinine levels or a diagnostic test for your glomerular filtration rate (GFR) are the best way to assess your actual condition. This may also confirm your compliance with your physician’s management.
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.
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 Lipoid Nephrosis
Lipoid Nephrosis is not a disease in itself, but is a symptom that is commonly found in patients with kidney disease. Usually, a primary disease is the cause of this condition; some of them include allergies, Hodgkin’s disease or the use of nonsteroidal anti-inflammatory agents.
The pathophysiology of Lipoid Nephrosis is unknown, but most of researchers agree that it is related to cytokine levels. As a result of this, the condition manifests what is known as nephrotic syndrome.
Symptoms of nephrotic syndrome as a result of Lipoid Nephrosis include proteinuria (protein in the urine), hematuria (blood in the urine), hypercholesterolemia, hypertension and edema (generalized swelling due to water retention).
See our other articles on Kidney disorders and CLICK HERE