We know it can be frustrating searching for a life insurance policy with a history of Meniere’s Disease.
The good news is there is hope.
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 Endolymphatic Hydrops? And if so…
2. How much will it cost?
Can Individuals with Meniere’s Disease Qualify for Life Insurance?
Yes, most individuals with Meniere’s Disease 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 – Although Meniere’s Disease can be a long-term condition, the key to recovery is to diagnose the condition early and control the symptoms of vertigo, tinnitus, ear fullness and hearing loss in the early stage. If Endolymphatic Hydrops is detected early and the individual fully recovers, most cases have a “Standard” rating. 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 a Standard health class, please see the questions below:
How many years have you been diagnosed with Meniere’s Disease?
Meniere’s Disease is a long-term condition that can become progressive and chronic, but the symptoms of tinnitus and hearing loss can be treated and disability prevented. Most recovered cases may qualify for a “Standard” rating.
Have you experienced any symptoms within the last six months?
Symptoms of vertigo, ear pressure accompanied by nausea and vomiting may be flare signs of the condition. Mild cases may still qualify for the “Standard” rating, but for those with marked flare signs, may require a more thorough evaluation to rule out other medical conditions.
You might also be interested in reading this article “Life Insurance Approval with Labyrinthitis”
Do you have regular check-ups with your Ear, Nose and Throat Doctor?
Regular visit to your doctor 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 marked disability or complications due to the condition.
Have you had any relevant diagnostic tests in the past 12 months?
A recent laboratory or diagnostic test such as an MRI or audiometry is the best way to assess your actual condition. This may also confirm your compliance with your physician’s management.
Have you had ear surgery in the past?
If yes, a surgical record and a medical certificate will be required to confirm full recovery from Meniere’s Disease. This will be used to determine whether you will qualify for the “Standard” rating.
Do you have other medical conditions?
Meniere’s Disease is very important to be differentiated from other health conditions like an autoimmune inner ear syndrome, BPPV, hyper or hypothyroidism, which may present similar symptoms such as dizziness, nausea or vomiting. It is vital before a rating can be determined.
Is your lifestyle affected because of your condition?
A good marker to tell whether your case is mild, moderate or severe is your ability to perform your daily tasks. If you are able to do so, then it means you may qualify for the “Standard” health class.
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 Meniere’s Disease
Meniere’s Disease also known as Endolymphatic Hydrops is a condition characterized by an accumulation of excess fluid or damage to the hair cell receptors inside the inner ears, which causes the wrong signals to the brain. As a result, an individual with this condition has problems with hearing and balance that can be anywhere from mild to severe.
The most debilitating of all symptoms is the vertigo, which is characgterized by a spinning sensation that doesn’t stop even with closed eyes. Other symptoms of Endolymphatic Hydrops include ringing of the ears (tinnitus), deafness or fluctuating hearing loss and feeling of increased pressure in one or both ears.
Meniere’s Disease often affects people in their 50’s due to the degeneration process, but can also be a secondary condition due to ear infection, inflammation, tumor, injury or an autoimmune disease.
Treatment of Endolymphatic Hydrops is focused maily in the management of symptoms. In severe cases where it becomes debilitating and affects the activities of daily living, surgery to correct the ear damage can be done.
See all out other articles on Head and Brain Disorders and Click Here!