Having trouble finding affordable life insurance with Migraine?
Don’t fret. We can help! At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.
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 Migraine? And if so…
2. How much will it cost?
Yes, most individuals with Migraine 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 – If the migraine attacks are idiopathic (cause unknown) and has been diagnosed for more than a year, it gets a “Standard” rating. It is, however, a requirement that there is clearance from a physician that the migraine headaches are not in any way associated with other conditions like meningitis, glaucoma or brain tumor. Click here for quote at “Standard.”
If you’re unsure if you qualify for a “Standard” rating to quote yourself, please see the questions below:
1. How many years since you were diagnosed with Migraine?
If Migraine has just been diagnosed and the probable cause unidentified it may have to wait for at least one year to be qualified for the “Standard” rating. Longevity is important with Migraine because it establishes the frequency, intensity and duration of the symptoms of headache. It also helps identify the trigger factors that help with management and control.
2. How often do you experience Migraine headaches?
Frequent symptoms of headache that are severe in nature that also manifests other symptoms like phonophobia or photophobia may have other medical causes that may require further evaluation before a rating can be given.
3. Is your Migraine headache controlled by medication?
The need for medications like analgesics and NSAID’s will help control the symptoms of pulsating headache. It is important to establish successful management of the pain because poor action of medications may be a sign of an underlying disease process that needs further evaluation.
4. Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory and diagnostic tests such as a retinoscopy, head X-ray or MRI will eliminate the possibility of the Migraine headache to be associated with other diseases like meningitis, glaucoma or worse a subarachnoid bleeding.
5. Are you aware of the trigger factors that start your Migraine attack?
Knowledge of the trigger attacks shows your commitment in the prevention of flare Migraine attacks and this may qualify you for a “Standard” rating.
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 Migraine
Migraine is a chronic disorder and the most common cause of headaches for men and women. Migraine may be accompanied by other autonomic nervous system or neurologic dysfunction as its origin of symptoms.
Common symptoms include episodic, unilateral (affects one area of the head) or pulsating headache that lasts from 2 to 72 hours.
It may also be associated with photophobia (sensitivity to light), phonophobia (sensitivity to sound) nausea and vomiting, which are aggravated by physical exertion.
Related Keywords: migraine, migraine headache, headache, pulsating headache