Having trouble finding affordable life insurance with Muscular Dystrophy?
The good news is there is hope.
At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.
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 Muscular Dystrophy? And if so…
2. How much will it cost?
Yes, most individuals with Muscular Dystrophy will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
However, these types of approvals can only be offered by life insurance companies that are accustomed to high risk life insurance cases.
How Much Will it Cost?
Best Case Scenario – Localized conditions in specific areas like the arms and legs that show mild symptoms of muscle spasm and possible bone or joint deformity may get the best rating of “Mild Substandard”. Click here for quote at “Mild Substandard”.
Moderate Case – Those cases, however, with moderate symptoms of moderate joint contractures and frequent falls and accidents may be rated at “Medium Substandard”. Click here for a quote at “Medium Substandard”.
Severe Case – More complicated cases are those with respiratory difficulties, and severe scoliosis curvature. These cases may have poor prognosis and will usually get a decline.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Mild Substandard or Medium Substandard), please see the questions below:
How many years have you been diagnosed with Muscular Dystrophy?
Muscular Dystrophy is a progressive condition, but the symptoms and complications can be managed if diagnosed early. Longevity of the condition without proper management, however, increases the severity of complications.
Have you experienced any symptoms within the last six months?
Severe symptoms of muscle weakness, muscle spasms or limitation of movement may be signs of developing complications. Presence of these symptoms may get you a “Medium Substandard” rating or in worst cases a decline.
Are you taking any medication?
The need for medications for pain or respiratory conditions may be signs of severe complications and may get you a “Medium Substandard” rating or in worst cases a decline.
You might also be interested in reading “Life Insurance Approval with Ankylosing Spondylitis”
Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory test like creatine phosphokinase (CpK3) and diagnostic test as muscle biopsy are the best ways to assess your actual condition. This may also confirm your compliance with your physician’s management.
Do you have other medical conditions?
Medical conditions like respiratory diseases or scoliosis may either be a sign of a complication or may be a pre-existing condition that may aggravate your Muscular Dystrophy.
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 Muscular Dystrophy
Muscular Dystrophy is a genetic form of skeletal muscle disease characterized by structural or functional changes in the muscular system. Both clinical physical examination and laboratory biopsy findings are necessary to confirm this condition.
Most common symptoms of Muscular Dystrophy include symmetrical or proximal weakness of the arms or legs without necessary losing sensation or reflexes. Muscle weakness can be defined as persistent or intermittent.
Other recognizable symptoms include poor balance, drooping eyelids, muscle wasting or muscle loss, history of frequent falls or accidents, difficulty walking, scoliosis (spine curvature), respiratory difficulties, bone and joint deformation or contracture, movement limitation, shuffling gait, and muscle spasms.
Areas of the eye, facial, neck, and cranial nerve muscles may also be affected. This condition is progressive in nature that can lead to immediate muscle cell or tissue death if not diagnosed and managed early.
See our other articles on Muscular, Bone and Joint disorders and Click Here