When you start looking for life insurance, you’ll quickly learn how important every aspect of your health is to a life insurance company particularly if you’ve been diagnosed with a pre-existing medical condition like osteomyelitis.
So, the question becomes…
- Can someone who has been diagnosed with osteomyelitis still be able to qualify for a traditional term or whole life insurance policy?
And if so…
- Which life insurance company is going to be the BEST life insurance company for you?
- If you can qualify for a traditional term or whole life insurance policy, can you also qualify for a no medical exam life insurance policy as well?
Which are all great questions…
To ask, and in this article, we hope to answer. So if you’re in currently shopping for life insurance, and you been diagnosed with osteomyelitis in the past, welcome! You’ve come to the right place!
So, without further ado…
Let’s dive right into it by first explaining exactly what osteomyelitis is and why life insurance companies are going to be so interested in the fact that you’ve been diagnosed with it.
What is Osteomyelitis?
In order to understand any disease, one can break down the word.
The prefix “osteo” refers to the bones. “Myelo”, or in this case “myel” refers to bone marrow. Lastly, “itis” means inflamed, and inflammation is normally the result of infection. Hence, osteomyelitis is an infection of the bone, usually in the marrow.
How do you get Osteomyelitis?
Most people get osteomyelitis from staphylococcus aureus. Certain people are at greater risk of getting osteomyelitis. Those people include people with:
- HIV or AIDS
- Rheumatoid Arthritis
People with other illnesses may also be at greater risk.
Treatment of Osteomyelitis.
Usually a doctor will prescribe some antibiotics and osteomyelitis will get cleared up. This works in most cases.
If you have chronic osteomyelitis, you may have to have surgery to remove the infected tissue that isn’t clearing up. In very rare cases, amputation may be required. This, however, is very, very rare.
We’re not doctors and we’re certainly not interested in offering any medical advice. All we are is a bunch of life insurance agents who happen to be really good at helping folks with pre-existing medical conditions like osteomyelitis find great life insurance coverage.
So, if you think you might need a doctor, call one! But if all your looking for is life insurance, well then, keep on reading!
Qualifying for Life Insurance with Osteomyelitis.
If you have had osteomyelitis, then that in itself will not disqualify you from getting a traditional term or whole life insurance.
If you were at greater risk of having osteomyelitis due to something serious like HIV or AIDS, then you can be disqualified immediately. But in cases like these, it’s not your osteomyelitis that caused you to be denied, it’s the underlying cause of your osteomyelitis which is the problem.
Less severe health issues…
Things like rheumatoid arthritis or even previous bouts of alcoholism aren’t necessarily going to disqualify you from qualifying for a traditional term or whole life insurance policy except perhaps in some severe situations.
It may, however…
Increase the cost of you’ll need to pay for your insurance. To find out more about how the health issues that led to your osteomyelitis will impact your rate, you should call us here at TermLife2Go directly.
Qualifying Rates with Osteomyelitis.
Supposing that you do not have any serious health issue that led to you getting osteomyelitis, that you are in generally decent health, and that you have a relatively risk-free lifestyle (i.e. not a smoker, no adventure sports as hobbies, etc), then you will probably qualify for a Table A-C rate.
Why you won’t qualify for a Standard Rate.
The fact of the matter is that you still had an infection of the bones. This is a pretty serious situation and life insurance companies won’t take it lightly. Even if you are fine now, it’s evidence that your immune system was compromised and one of the most important aspects of your body – your skeletal system – was attacked.
That’s why you won’t qualify for a standard rate on a term or whole life insurance after osteomyelitis. It’s also why we will typically recommend folks avoid applying for a simplified issue life insurance policy simply because these “types” of life insurance policies are often times more difficult to qualify for than a fully underwritten term or whole life insurance policy.
Qualifying for a “Table A” Rate.
Like we said, you will qualify for a Table A, B or C. If you’re like most people, then you really want the most affordable rate possible. That means a Table A. So how do you get it? There’s no guarantees, but the way to increase your chances for a Table A rating is to know what various life insurance companies will offer: shop around! There may be ten life insurance companies ready to underwrite a policy on a Table C rating and only one that’s ready to offer you a Table A – you need to find the Table A.
There are various factors that can impact your rate, including:
- The severity of your osteomyelitis
- Weight & height (BMI)
- Blood pressure
- Blood test results
- Urine test results
- Other things in your medical history
- Family medical history
Get professional help!
To shop around takes a lot of persistence, and more importantly know-how. That’s why you should turn to unbiased life insurance experts like TermLife2Go.
Why TermLife2Go can help!
We work with dozens of life insurance companies, which means we can really find you a great policy for your circumstances. Other life insurance experts work with a handful of life insurance companies, thus limiting what they can offer you.
We will work with you to find you the best possible life insurance coverage at the most affordable rate. So, if you would like to know more about getting life insurance with osteomyelitis call us today.
So, what are you waiting for? Give us a call today or visit our Life Insurance Quotes page and see what we can do for you!