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How to Qualify for Standard Rates or Better with Acromegaly

in Hormonal Disorders

Yes, you can qualify!

Having trouble finding affordable life insurance with Acromegaly or Gigantism?

The good news is there is hope.  We specialize in “special risk” life insurance cases.

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 Acromegaly? And if so…
  2. How much will it cost?

Can People Who Have Acromegaly Be Approved for Life Insurance?

Yes, most individuals with Acromegaly will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.

But you won’t be able to get this rating through your auto insurance company.

Consumer APPROVAL Report:
Learn the 5 most lenient insurance companies that approve (almost) anyone, including the company we send 90% of our tough cases to..

How Much Will it Cost?

Best Case Scenario – If Acromegaly is detected early, symptoms are controlled and complications like hypertension or arthritis prevented, most cases have a “Standard rating”. Click here for quote at “Standard rating.”

Moderate Case – Those with complications like diabetes and enlarged heart, but whose symptoms are mostly controlled may still qualify for a “Medium Substandard” health class. Click here for a quote at “Medium Substandard.”

Severe Case – With severe and recent complications like heart or kidney failure, the best approval you may obtain is at a “Severe Substandard” rating. Click here for a quote at “Severe Substandard”.

For a severe case, 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, medium substandard or severe substandard), please see the questions below:

1. How many years since you were diagnosed with Acromegaly?

Acromegaly is a lifetime condition, but with early detection and proper management the symptoms and complications can be controlled.

2. Have you undergone any surgery to correct the overproduction of your growth hormone?

Surgical removal of a tumor in the pituitary gland may present a good prognosis for individuals, as this would decrease significantly the production of GH.

3. Have you experienced any body changes within the last six months? 

Symptoms or flare signs of overproduction of GH will manifest as remarkable bodily changes in structure and organ function. Changes within the last six months mean a hyperactive pituitary gland that may result in a decline.

4. Are you taking any maintenance medication? 

The need for medications for heart conditions, lung problems, diabetes mellitus, cancer or other medical conditions may mean that complications of Acromegaly are already present. This could mean a “severe substandard” rating or a decline depending on the severity of complications.

5. Do you subject yourself to a regular check-up with your endocrinologist?

Regular visits to your doctor mean that you undergo a series of laboratory and diagnostic examinations that will give a clear picture of your actual health status. It will also prove that your condition is controlled.

6.    Do you have a record of your relevant diagnostic tests in the past 24 months? 

Laboratory and diagnostic tests for the last 24 months will show significant or non-significant changes in your body and pituitary function. This will 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.

How to Get a Quote

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 Acromegaly

Acromegaly, also known as gigantism is a condition characterized by an overproduction of the growth hormone (GH) as a result of either a genetic predisposition or the presence of tumor in the pituitary gland.

Signs and symptoms include enlarged bony structures of the hands, fingers, jaw, brows, nose, lips, cheeks, ears and other prominent skeletal areas. It is also characterized by tissue swelling that manifests as heel pad thickness, coarse facial features, large nose and hollow, deep sounding voice.

Other systemic manifestations may include nerve damage due to swelling of the connective tissues, hypertension, visual disturbances, heart enlargement, visual problems and many other complications.

Related Keywords: acromegaly, excessive growth hormone, gigantism, pituitary gland, tumor

Consumer APPROVAL Report:
Learn the 5 most lenient insurance companies that approve (almost) anyone, including the company we send 90% of our tough cases to..

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