Finding an affordable life insurance policy with Optic Neuritis can be quite the challenge.
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.
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 Optic Neuritis? And if so…
2. How much will it cost?
Can I Qualify for Life Insurance if I have Optic Neuritis?
Yes, most individuals with Optic Neuritis 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.
Best Case Scenario – If Optic Neuritis is detected early, symptoms of swelling reduced and complications of vision loss prevented, most cases have a “Mild Substandard” rating. Click here for quote at “Mild Substandard”.
Moderate Case – Those with complications of loss of eyesight or color vision, but whose swelling are controlled may still qualify for a “Medium Substandard” health class. Click here for a quote at “Medium Substandard”.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
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 Optic Neuritis?
Optic Neuritis is a non-life threatening condition, but if not managed well can result in vision loss. If there are no complications such as multiple sclerosis, most cases may qualify for the best rating at “Mild Substandard”.
You might also be interested in reading “Life Insurance Approval with Iritis”
Have you experienced any symptoms within the last six months?
Symptoms or eye pain, blurred vision or optic swelling may be flare signs of a worsening condition and may require a more thorough evaluation before a rating can be determined.
Are you taking steroids?
The need for steroids is important in the acute management of Optic Neuritis, but if there is a need for long-term use, a more thorough evaluation is needed before a rating can be given.
Do you have regular check-ups with your ophthalmologist?
Regular visit to your ophthalmologist is a good sign of control of the condition and may get you a “Mild Substandard” rating. It is, however, necessary for a laboratory or diagnostic exam such as MRI to confirm the absence of severe and active optic swelling.
Do you have a family history of multiple sclerosis?
If you have a family history of multiple sclerosis, your case needs to be ruled out for it before a rating can be given to you.
Do you have symptoms of vision loss or blurring?
If you have symptoms of deteriorating eyesight or loss of color vision, it may be a sign of a worsening condition and may require an MRI prior to the rating being given.
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 Optic Neuritis
Optic Neuritis is a common inflammatory condition of the optic nerves that may cause sudden partial or total loss of vision on the affected eye. Both adults and children can be affected by Optic Neuritis.The condition is usually caused by the destruction of the optic nerve covering called the myelin sheath.
Other causes of Optic Neuritis include infections such as herpes zoster, syphillis, lyme and in rare cases inflammatory bowel diseases. Other conditions such as autoimmune disorders’ systemic lupus erythematosus and neurosarcoidosis may cause Optic Neuritis. It can also be drug induced with the use of ethambutol or chloramphenicol.
Most common symptoms of Optic Neuritis include pain upon eye movement, optic disc swelling and pallor, blurred vision, dizziness and sudden loss of eyesight whether partial or complete. In some patients, loss of color vision may also be evident in the affected eye.
Most patients recover gradually without treatment after a mild single episode of Optic Neuritis. An MRI test will usually show lesions of the white matter of the brain in patients with Optic Neuritis, which are also common in individuals suffering from multiple sclerosis.
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