We specialize in Life Insurance Approval with Legionnaires!
Having trouble finding affordable life insurance with a history of Legionnaire’s Disease?
The good news is there is hope.
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 a history of Legionnaire’s Disease? And if so…
2. How much will it cost?
Can Individuals with a History of Legionnaire’s Disease Qualify for Life Insurance?
Yes, most individuals with a history of Legionnaire’s Disease 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.
How Much Will it Cost?
Best Case Scenario – If Legionellis is detected early, symptoms of cough, fever, and shortness of breath are controlled and complications to the liver or kidneys prevented, most cases have a “Standard” rating after complete recovery from the infection. Click here for quote at “Standard”.
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 whether you will qualify for the “Standard” rating, please see the questions below:
How many years have passed when you were diagnosed with Legionnaire’s Disease?
Legionnaire’s Disease is a serious infection of the lungs, but if diagnosed early and the symptoms of fever, chest pain and blood stained sputum controlled, and severe complications to the liver or kidneys prevented, a “Standard” rating may be given after complete recovery. That is why the occurrence and how severe the infection must be identified before a rating can be given.
Have you experienced any symptoms within the last six months?
Symptoms of chest heaviness, fever and chills may be flare signs of an on-going Legionellis infection, which may have to be resolved first before a rating can be determined.
You might also be interested in reading “Life Insurance Approval with Chronic Bronchitis”
Are there environmental risk factors present in your current location?
Risk factors include the presence of an identified outbreak in your area or areas that you travel to, proliferation of bacteria in very hot or cold seasons during, contaminated water supply systems, cooling and heating units, potable water supplies or presence of job related exposures such as in hotels and hospitals, proximity to locations of streams or lakes in your area, recent medical or surgical procedure. All of these need to be identified to rule out any exposure to the infection before a rating can be determined.
Are there risk factors in your lifestyle and health habits?
Risk factors include smoking, chronic medical conditions such as lung or heart conditions, stress, age or job related risks must all be identified before a rating can be determined.
Do you have any history of complication during your Legionellis infection?
Complications include abnormal liver function or kidney tests, digestive problems such as diarrhea, neurological symptoms like confusion, elevated laboratory results are all indicative of a severe infection, which may need a thorough evaluation before a rating can be given.
Have you had any relevant laboratory or diagnostic results to confirm your complete recovery from Legionellis?
Examinations may include chest x-ray, sputum or lung fluid culture and sensitivity test and other relevant diagnostic procedures done will be helpful to determine complete recovery from Legionnaire’s Disease.
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 Legionnaire’s Disease
Legionnaire’s Disease or Legionellosis is a lung infection similar to pneumonia that is caused by the Legionella pneumophila bacteria. A less severe infection caused by the same bacteria genome is called Pontiac Fever, which is characterized by flu-like symptoms.
The bacteria that causes Legionellosis is particularly water-borne found in lakes or streams. It invades the epithelial cells of the lungs and immediately replicates. It is transmitted via direct inhalation of contaminated water from water coolers or humidifiers and use of contaminated medical and surgical equipments. It is not however airborne and cannot be transmitted from one person to another.
What is distinct about Legionella pneumophila bacteria is its ability to withstand extreme environmental conditions that’s why it can live for years. It can survive high temperatures of 25 degrees centigrade or cool refrigerated water over a long period of time.
Common breeding places for Legionella pneumophila bacteria include air-conditioners, whirlpools, cooling waters, contaminated water supply, contaminated hospital equipments used in medical and surgical procedures such as nebulizers and humidifiers. They are also isolated in central air conditioning units, spas, showers, hot tubs, water heating systems, misting machines and even in windshield washers.
Just like other cases of pneumonia, the symptoms presented in Legionnaire’s Disease include nonproductive mild cough, shortness of breath, blood streaked sputum, low grade fever, cjhills, chest heaviness, body weakness, headache, loss of appetite and in later stage bone and joint pains may be present.
In later stage and in cases where complications are already present, patients may present stomach problem such as diarrhea and in severe cases neurological findings including confusion. Liver function test will also later show elevated levels and other abnormal laboratory tests such as increased creatinine, sodium, protein and creatine phosphokinase elevation.
See all our other articles on Respiratory Diseases and Click Here!