Finding an affordable life insurance policy with Sarcoidosis 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 Sarcoidosis? And if so…
2. How much will it cost?
Yes, most individuals with Sarcoidosis 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 Sarcoidosis is ruled out early and the symptom of granuloma resolves freely it may qualify for a “Standard” rating. Provided that there are no lifelong damages to the organ affected. Click here for quote at “Standard”.
Moderate Case – Those with complications, but whose symptoms of fatigue or fever are mostly controlled may still qualify for a “Mild substandard” health class. Click here for a quote at “Mild substandard”.
You might also be interested in reading this article,“Life Insurance Approval with Benign Tumors”
Severe Case – Severe cases are those that affect the major organs of the body and show serious cell damage. These cases may present life threatening or devastating complications. These cases 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 or Mild Substandard), please see the questions below:
How many years have you been diagnosed with Sarcoidosis?
Sarcoidosis that is diagnosed early can be monitored well and management is instituted promptly. Most of these cases recover well after granulomas disappear freely. These cases may qualify for a “Standard” rating.
Have you experienced any symptoms within the last six months?
Symptoms will depend on the area affected, and usually rating will depend on the organ location. Usually, if the lungs, the heart or the liver is affected, prognosis is poor, and may turn into a life-threatening condition. Most of these cases are declined automatically.
What areas/organs are affected by Sarcoidosis?
Sarcoidosis of the skin or eyes is usually mild and may qualify for a “Standard” rating. If, however, the organ affected is the spleen, the liver or the lungs, the best rating possible is at “Mild Substandard”.
Do you have a history of Sarcoidosis relapse?
It is important to establish whether Sarcoidosis is an initial or recurring diagnosis. It is equally important to determine the location, frequency and severity of the granulomas. It will be used to identify the most appropriate rating.
Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory and diagnostic tests like X-ray, CT-scan or MRI are the best ways to assess your actual health condition. This may also confirm your compliance with your physician’s management.
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 Sarcoidosis
Sarcoidosis is a multi-systemic condition/syndrome characterized by the accumulation of chronic inflammatory cells (granulomas) in two or more of the major organs in the body. Although, Sarcoidosis can disturb any organ in the body, the most common sites affected are the lungs, liver, eyes and skin.
There are various clinical outcomes of Sarcoidosis, some cases are gradual and remain asymptomatic that clears up freely, some are chronic with the first symptoms appearing after a few years from the time of diagnosis, and still some develop a progressing condition that lasts several years.
Symptoms of Sarcoidosis depend on the major organ affected, but for non-specific cases they may manifest as fatigue, night sweats, weight loss or fever.
See our other articles onBenign Growths and Tumors and Click Here