High Risk LifeI nsurance Agency can assist you with Life Insurance Approval with Diverticulosis or Diverticulitis!
Having trouble finding affordable life insurance with Diverticulitis or Diverticulosis?
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 Diverticulitis or Diverticulosis? And if so…
2. How much will it cost?
Can People Who Have Diverticulitis or Diverticulosis Be Approved for Life Insurance?
Yes, most individuals with Diverticulitis or Diverticulosis 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.
How Much Will it Cost?
Best Case Scenario – If it is a case of Diverticulosis and there are no signs of complications such as bleeding or infection, a “Standard” rating can be given. This, however, may require a CT scan to establish the appropriate diagnosis.
If it is a case of Diverticulitis, it must show no severe symptoms of abdominal pain, highly irregular bowel movement or bleeding. These cases must have a thorough medical evaluation and must be supported by a CT scan before a “Standard” rating may be given.
In both cases, a “Standard” rating may only be allowed for a colon Diverticulosis or Diverticulitis. Click here for quote at “Standard”.
Moderate Case – Those cases of Diverticulitis with complications or even a history of the triad symptoms of fever, left lower quadrant pain and leukocytosis, plus bleeding may only qualify for a “Mild Substandard” health class. Click here for a quote at “Mild Substandard”.
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 Diverticulitis or Diverticulosis?
Diverticulitis or Diverticulosis can be a well-managed condition with very good prognosis when diagnosed and treated early. Longevity of the condition, however, without proper management can end up in more serious conditions such as colon cancer that may need a thorough medical investigation.
Have you experienced any symptoms within the last six months?
If your symptom of bloating, abdominal pain or gas buildup is very recent and this is your first episode, the chances of getting a “Standard” rating are high. A doctor’s evaluation will confirm this and in rare cases a CT scan result may also be required.
You might also be interested in reading this article “Life Insurance Approval with Irritable Bowel Syndrome”
Are you taking any medications?
The need for medications to relieve recent symptoms of infection, fever, diarrhea or constipation may get you a “Mild Substandard” rating. If you disqualify for the traditional coverage, you could still be eligible for a graded death benefit policy.
Do you have regular check-ups with your gastroenterologist?
Regular visit to your gastroenterologist is a good sign of control of the condition and may get you a “Standard” rating. It is, however, necessary for laboratory and diagnostic exams to confirm the absence of serious complications such as recurrent bleeding.
Have you had any relevant diagnostic tests in the past 12 months?
A most recent CT scan or blood test for infection will be helpful to establish good condition. The results may confirm if you qualify for a “Standard” rating.
Do you have a family history of colon cancer?
If you answer yes to this question, you may have to undergo a more thorough medical evaluation to rule out such condition.
Do you have lifestyle practices that may put a higher risk to your condition?
If you have faulty eating habits such as heavy alcohol or fatty food intake, and poor lifestyle practices such as lack of exercise and stressful working conditions, it may get you a “Mild Substandard” health class.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
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 Diverticulitis or Diverticulosis
Diverticulitis is a common condition of the digestive system characterized by inflammation of the bowel or diverticulum. This is due to the accumulation or retention of fecal matter and the formation of pouches (Diverticulosis) within the bowel wall. These conditions result to colon compression, perforation, erosion or bleeding.
Diverticulosis is early recognized as symptoms of cramping, tenderness, irregular bowel movement, bloating and gas formation. If Diverticulosis is not managed early during the condition it can lead to Diverticulitis. Diverticulitis, on the other is presented with fever, constipation or diarrhea, left lower quadrant pain, anorexia, nausea, abdominal pain and in serious cases bleeding.
Diverticulosis or Diverticulitis are commonly seen in the colon or large intestine; although rare, it can also be seen in the small intestine. The triad symptoms of Diverticulitis include fever, left lower quadrant pain and leukocytosis.
Treatment of Diverticulosis or Diverticulitis involves diet management, administration of antibiotics for infection and drugs that promote bowel rest, and surgical management (bowel resection).
See our other articles on Diseases of the Digestive System and CLICK HERE!