Having trouble finding affordable life insurance with Paget’s Disease?
The good news is there is hope.
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 Paget’s Disease? And if so…
2. How much will it cost?
Yes, most individuals with diabetes 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 – Paget’s Disease when detected early, remains asymptomatic, and shows no signs of progression of bone deformation or bone enlargement may qualify for a “Standard” rating. Click here for quote at “Standard”.
Moderate Case – Those cases with mild symptoms of deformity and causes mild discomfort or pain may qualify for a “Mild Substandard” health class. Click here for a quote at “Mild Substandard”.
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 Paget’s Disease?
Paget’s Disease when diagnosed early may have good control of symptoms, and may not cause debilitating complications like bone pain or major deformity. Most of the cases that have been stable for at least 6 months to 1 year may qualify for a “Standard” rating.
You might also be interested in reading this article, “Life Insurance Approval with Myasthenia Gravis”
Have you experienced any symptoms within the last six months?
Symptoms of obvious bone enlargement of deformity may be signs of a progressing condition. These cases if not managed early may get you a “Mild Substandard” rating.
Are you taking any medications for bone pain?
The need for medications for bone pain may be a sign of disease progression even when physical examination does not readily show any bone deformity or malformation. These cases may need further evaluation to determine the appropriate rating.
Do you have regular check-ups with your doctor?
Regular visits to your doctor mean that your condition is controlled and life insurance companies see this as a good sign.
Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory test for alkaline phosphatase level or diagnostic tests such as bone X-ray or bone scan are the best ways to assess your actual condition. This may also confirm your compliance with your physician’s management.
Do you have other medical conditions?
Other medical conditions like arthritis and other signs of bone pain may need further evaluation to rule out complications or severe conditions.
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 Paget’s Disease
Paget’s Disease is a chronic bone disorder believed to be caused by a slow viral infection or a genetic predisposition. It can affect anywhere the widespread areas of the bones that results in deformity, enlarged or misshapen bone structures.
The condition is characterized by excessive bone formation and breakdown that causes them to weaken. Further symptoms may manifest as pain, fractures, misshapen bones, and arthritis of the joints near the affected area.
Patients with Paget’s Disease are generally asymptomatic at the early stage. Diagnosis usually occurs as a result of an incidental examination. However, in cases of bone compression or neural tissue involvement, various symptoms may be observed.
See our other articles on Muscular, Bone and Joint Disorder and CLICK HERE