Have you been declined for life insurance due to Nephritis?
Luckily, you’ve come to the right place. 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 Nephritis? And if so…
2. How much will it cost?
Yes, most individuals with Nephritis 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 – Best prognosis for Nephritis would be an acute infection that is treated early and complications of severe damage to the nephrons and glomerulus prevented. Full recovery may get a Standard” rating. For chronic cases of Nephritis that shows frequent symptoms of fever and chills, but laboratory findings show good renal function may qualify for a “Mild Substandard” rating. Click here for quote at “Standard” or “Mild Substandard.”
Moderate Case – Chronic cases of Nephritis with frequent symptoms of abdominal and back pain accompanied by fever and chills but shows no severe damage to the kidneys may qualify for a “Medium Substandard” health class. Click here for a quote at “Medium Substandard.”
Severe Case – Acute or chronic cases of nephritis that show poor renal function will automatically 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, Mild Substandard or Medium Substandard), please see the questions below:
1. How many years have you been diagnosed with Nephritis?
An acute case that recovers fully from the disease has a good chance to get a “Standard” rating. Chronic cases, however, would require a renal function test to determine your health class.
2. Are you aware what the causative agent for your Nephritis is?
The causative agent will give an idea of the prognosis of your condition. Bacterial infection may be reversible and with effective treatment may gain full recovery. Autoimmune mediated Nephritis, on the other hand, has a poorer prognosis because of its irreversible nature. The best rating you can have for this is at “Mild Substandard” or “Medium Substandard” rating.
3. Do you have other conditions that may trigger Nephritis attacks?
These cases may include lupus, kidney stones, and frequent UTI or throat infection. Presence of these risk factors may get you a “Medium Substandard” rating or even a decline.
4. Do you have regular check-ups with your nephrologist?
Regular visit to your doctor is very crucial because incidents of infection and extent of kidney damage will be monitored frequently. Good control of the condition may get you a “Mild Substandard” or “Medium Substandard” rating.
5. Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory and diagnostic tests include regular urinalysis exams, urine culture, X-ray of the kidneys, urinary and bladder or renal function test such as 24 hour urine collection. These are the best ways to assess your actual renal condition that will give the appropriate 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 Nephritis
Nephritis, also called pyelonephritis is a chronic infection of the nephrons in the kidneys caused by bacteria or as a result of an autoimmune disorder.
The disease can be acute or chronic depending on the severity of the infection. Symptoms include high grade fever and chills, nausea, vomiting, abdominal pain, back pain, muscle aches and pains and sometimes diarrhea.
Nepritis can also be diagnosed with laboratory findings that show high leukocyte and pus cells in the urine. It may also show increased RBC and cast cells.
Related Keywords: nephritis, pyelonephritis, acute nepnritis, chronic nephritis