Finding an affordable life insurance policy with Otitis Media can be quite the challenge.
Don’t fret. We can help!
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 Otitis Media? And if so…
2. How much will it cost?
Can Individuals with Otitis Media Qualify for Life Insurance?
Yes, most individuals with Otitis Media 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 – If Otitis Media is detected early, symptoms of inflammation and infection are controlled and complications such as hearing loss prevented, most recovered cases have a “Standard” rating. Click here for quote at “Standard”.
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 health class, please see the questions below:
How many years have you been diagnosed with Otitis Media?
Otitis Media is a mild condition if it is detected early, but if the symptoms of pain and swelling is ignored it can have an irreversible complication of temporary or permanent hearing loss.
Have you experienced any symptoms within the last six months?
Symptoms of worsening ear pain and swelling within the last 6 months can be flare signs that indicate a chronic or worsening condition. Only recovered cases can qualify for a “Standard” health class.
You might also be interested in reading this article “Life Insurance Approval With a History of Labyrinthitis”
Do you have regular check-ups with your Ear, Nose and Throat (ENT) doctor?
Regular visit to your ENT for follow up treatment and management is a good sign of compliance to care. It ensures a good chance to full recovery, which can earn you a “Standard” rating.
Have you had any ear examination tests in the past 12 months?
A history of Otitis Media requires a regular visit to your ENT and his or her medical evaluation will determine if you have fully recovered from the condition.
Do you have a history of temporary hearing loss in the past?
Hearing loss is one of the serious complications of Otitis Media. A history of hearing problems may be indicative of a chronic condition, which may require a more thorough evaluation before a rating can be given.
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 Otitis Media
Otitis Media is a condition characterized by swelling or inflammation of the middle ear that results in the eustachian tube’s dysfunction. The most common causes of inflammation in the tube include allergies and upper respiratory infections like the common cold, chronic sinisitis or rhinosinusitis.
Symptoms associated with Otitis Media include ear pain, ear swelling, fever, irritability in children and other manifestations related to accompanying symptoms of cough and colds.
The swelling in the eustachian tube triggers the accumulation of fluid called sterile transudate. This becomes a good breeding ground for bacteria or viruses that come from the nasopharygeal infection. If the fluid becomes contaminated and infection starts, then the condition becomes Acute Otitis Media.
The middle ear fluid can remain for weeks to months that lead to Chronic Ortitis Media. If this is not treated appropriately, it can lead to partial and temporary or total and permanent hearing loss.
Complications of Otitis Media include Acute Otitis Media (AOM), Otitis Media with effusion (OME), Otitis Media with perforation of the ear drum and Chronic Otitis Media; all of which can potentially lead to temporary or permanent hearing loss.
Otitis Externa is different, in that it affects the auditory meatus or the outer third of the ear canal. This condition is also known as the “swimmer’s ear”. Common causes of this condition is due to high humidity, heat and loss of ear cerumen, which can lead to excessive moisture, irritation, swelling and later infection.
See all out other articles for Head and Brian Disorders and CLICK HERE!