Have you been declined for life insurance due to Osteitis Deformans?
Luckily, you’ve come to the right place.
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 Paget Disease? And if so…
2. How much will it cost?
Can I Qualify for Life Insurance if I have Osteitis Deformans?
Yes, most individuals with Osteitis Deformans will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you’ll need to apply with a life insurance company that is accustomed to impaired risk cases, not an auto insurance company that just happens to also offer life insurance.
Best Case Scenario – If Paget disease is detected early, symptoms of pain and bone remodelling are mild and non progressive, most cases may have a “Standard” rating. Click here for a quote at “Standard”.
Severe Case – Other cases of Osteitis Deformans that are progressive in nature and show chronic symptoms of mishapen bones, abnormal gait development and excessive bone formation and breakdown will automatically be declined.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
If you’re unsure whether you will qualify for the Standard rating, please see the questions below:
How many years have you been diagnosed with Paget disease?
Paget disease is a chronic condition that can have serious complications like neural tissue compression, if undetected or untreated early. Early treatment may prevent symptoms of pain and tenderness, long bone bowing or arthritic joints. Longevity of a chronic Paget disease, however, increases the probability of complications.
Have you experienced any symptoms within the last six months?
Symptoms of misshapen bones, changing gait or decreased range of motion may be flare signs of Osteitis Deformans which may get you a decline.
You might also be interested in reading this article “Life Insurance Approval with Kyphosis”
Are you taking any medication?
The need for medication especially for pain might be a sign of a progressing condition or development of a complication, which if established as a moderate or severe case will get you a decline.
Have you had any relevant diagnostic tests in the past 6 months?
A recent laboratory test or radiologic exam is the best way to assess your actual condition. This may also confirm your compliance with your physician’s management.
Do you have a family history of bone cancer?
Although Paget disease rarely develops in cancer growth, it is important to rule out risk factors, which will be used to determine the most appropriate rating.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “standard” to “severe standard” so you understand the range of possibilities.
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 Osteitis Deformans
Osteitis Deformans, also known as Paget disease is a chronic disoder of the bones that affect localized areas, but can be widespread anywhere throughout the skeletal system. Paget disease is due to overactive bone breakdown and formation that results in enlargement, deformities, fractures, and, therefore, bone remodelling.
Most patients with Osteitis Deformans are assymptomatic but those who show symptoms have pain and tenderness, long bone bowing, mishapen bones, fractures, abnormal gait, decreased range of motion, arthritic joints and other symptoms depending on the location affected. Common areas affected are the pelvis, skull, femur, lower lumbar area and other proximal long bones of the body.
A serious complication of Paget disease is the compression of nearby neural tissues due to bone enlargement. Most cases of Osteitis Deformans have unknown causes, but are linked to genetic predisposition and viral infections.
Se our other articles for Muscular, Bone and Joint Problems and CLICK HERE!