At High Risk Life Insurance Agency, we can help you with Life Insurance Approval with Osteomyelitis!
Having trouble finding affordable life insurance with Osteomyelitis?
Luckily, you’ve come to the right place.
In fact, tough life insurance cases are our specialty 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 Osteomyelitis? And if so…
2. How much will it cost?
Can I Qualify for Life Insurance if I have Osteomyelitis?
Yes, most individuals with Osteomyelitis 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 Osteomyelitis is detected early, symptoms of bone pain, swelling, fever and chills are controlled, and complications such as chronic Osteomyelitis or septic arthritis are prevented, most cases have a “Mild Substandard” rating. Click here for 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 if you will qualify for the Mild Substandard rating, please see the questions below:
How many years have you been diagnosed with Osteomyelitis?
Osteomyelitis is a treatable and preventable condition if prompt treatment is given. It does not usually become a chronic condition unless initial treatment had not been successful or there is an underlying condition causing it such as diabetes mellitus. Most recovered cases of Osteomyelitis can qualify for the “Mild Substandard” rating.
Have you experienced any symptoms within the last six months?
Symptoms or flare signs such as pain, swelling, and presence of pus or pieces of necrotic bones may be signs of serious complications that may require a more thorough medical evaluation before a rating can be determined.
Are you taking any medication?
The need for medications at the moment means an active infection, insurance companies may have to wait for the completion of the treatment before releasing a rating for you.
You might also be interested in reading this article “Life Insurance Approval with Osteitis Deformans”
Do you have regular check-ups with your orthopedic doctor?
Regular visit to your orthopedic doctor is a good sign of control and compliance that may get you a “Mild Standard” rating. It is, however, necessary for laboratory and diagnostic exams to confirm the absence of complications such as chronic Osteomyelitis or septic arthritis.
Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory tests such as erythrocyte sedimentation rate (ESR) and C-reactive protein (CRP) blood levels, and diagnostic tests like X-ray, CT Scan and MRI are the best ways to assess your actual condition. This may be required to determine the most appropriate health class for you.
Do you have a history of a current injury or surgical procedure?
If you have a history of Osteomyelitis and have experienced a recent injury, urinary infection, soft tissue infection or diagnostic or surgical procedures like dental surgery, IV therapy, insulin injections or other invasive procedures, you may be a candidate for the recurrence of your condition. This may require your most recent laboratory and diagnostic results before a rating can be given.
Do you have Diabetes Mellitus?
A history of diabetes mellitus is very important to be disclosed because it is one of the predisposing factors in the development of Osteomyelitis.
If you are still unsure which rating class you fall under, we suggest getting a life insurance quote at multiple substandard ratings, so you can familiarize yourself with the range of substandard premiums.
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 Osteomyelitis
Osteomyelitis ((OM) is a condition that is characterized by inflammation and/or infection of the bone or bone marrows. The most common causative agaent is either mycobacteria or pyogenic bacteria. Classification according to duration, route and location of infection, and the treatment management of symptoms of Osteomyelitis depend on the causative agent.
Predisposing factors that lead to Osteomyelitis include penetrating injuries such as open fractures, puncture wounds, insect or animal bites, extended infections from nearby soft tissues and contaminated instruments or non-aseptic surgical procedure.
Some of the classifications include hematogenous Osteomyelitis, the most serious type, which commonly affects children and the usual site of infection involves the spine and the long bones; in adults, this type can also show symptoms of infection anywhere in the lungs, heart valves or urinary tract; acute hematogenous Osteomyelitis also occurs anywhere in the tibia, humerus or femur.
There is a special type of Osteomyelitis called contiguous-focus osteomyelitis, which affects the small bones in diabetic patients. Chronic Osteomyelitis can also develop in patients that may result in serious complications like pathologic fractures, amyloidosis or squamous cell carcinoma. Other complications of Osteomyelitis is the condition called septic arthritis where the infection affects the nearby soft tissues and joints.
Most common symptoms of Osteomyelitis include fever and chills, pain and tenderness, difficulty bearing weight, presence of pus and swelling, and restriction of movement in children. Osteomyelitis of the spine presents symptoms of dull neck or back pain, unusual complaints of chest, limb or abdominal pain, low grade fever, chills, muscle spasms and limitation of movement.
See all out other articles on Muscular, Bone and Joint Disorders and CLICK HERE!