We know it can be frustrating searching for a life insurance policy with a history of Myasthenia Gravis.
Luckily, you’ve come to the right place.
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 Myasthenia Gravis? And if so…
2. How much will it cost?
Yes, most individuals with Myasthenia Gravis will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you will need to speak with a knowledgeable, independent agent, who is licensed with several life insurance companies for your best chance at approval.
Best Case Scenario – Mild cases of Myasthenia Gravis that have been stable for the last 6 months, and are controlled successfully may get a “Standard” rating. These cases must confirm the absence of moderate to severe symptoms of muscle weakness anywhere in the body. Click here for quote at “Standard”.
Moderate Case – Those with symptoms of facial or skeletal muscle weakness, but are undergoing therapy and are controlled well may qualify for a “Mild Substandard” health class. Click here for a quote at “Mild Substandard”.
Severe Case – Severe cases that have a history of respiratory muscle involvement or those with severe and recent complications of facial or extraocular muscle weakness may 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 (Standard or Mild Substandard), please see the questions below:
How many years have you been diagnosed with Myasthenia Gravis?
Myasthenia Gravis is a genetic and progressive condition with no cure. However, early diagnosis and proper management can prevent serious and life threatening conditions like respiratory crisis. Most cases that are diagnosed early and remain stable for a period of at least 6 months may get a “Standard” rating.
You might also be interested in reading this article “Life Insurance Approval with Muscular Dystrophy”
Have you experienced any symptoms within the last six months?
Symptoms such as difficulty in swallowing or chewing, eye disorders, or arm and leg muscle weakness may be flare signs of developing complications that may earn a “Mild Substandard” rating or in severe conditions a decline.
Are you taking any medications?
The need for medications for pain or respiratory conditions may be signs of severe complications that may get you a “Mild Substandard” rating or in worst cases a decline.
Do you have regular check-ups with your doctor or are currently undergoing therapy?
Regular visits to your doctor may show your accurate condition. A most recent evaluation may be required to help determine the most appropriate rating for you. Current therapy may either be good or bad, good if it has been more than 6 months and the symptoms have been stable, but bad if it is a recent flare episode that may get you a decline.
Have you had any relevant diagnostic tests in the past 6 months?
A recent blood exam or muscle biopsy is the best ways to assess your actual condition. This may also confirm your compliance with your physician’s treatment and management.
Are you involved in any work or activity that may put you at risk of accidents?
If you have symptoms of arm or leg weakness and you are exposed to activities that may put you at risk of fall or accidents may get you a “Mild Substandard” rating or in severe cases a decline.
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 Myasthenia Gravis
Myasthenia Gravis (MG) is a genetic autoimmune neuromuscular disorder characterized by weakness of the skeletal muscles. The cause is a lack of the neurotransmitter acetylcholine receptors (AChRs). The defective genes cause the antibody-mediated autoimmune attack to the AChRs.
Common areas affected by Myasthenia Gravis include the cranial nerves that control the eyelids and the extraocular muscles; the facial nerves that control the different expressions of the face, speech and swallowing; and the limb muscles that control the motor skills.
The most severe form of Myasthenia Gravis would be one that affects the respiratory muscles that can lead to a life threatening situation.
Treatment for the symptoms of Myasthenia Gravis is available, but specific cure for the disease is yet to be discovered.
See our other articles on Muscular, Bone and Joint Disorders and Click Here