Looking for life insurance with Cushing’s Syndrome? There’s a good chance we can help you. While not everyone can get approved right away, we have all the options available for you.
There are different factors at play which not only determine when you can be approved, but at what rate. Time is one of the greatest factors when considering life insurance with Cushing’s Syndrome, so know your dates.
Continue reading below to learn more about Cushing’s Syndrome, why it’s a risk to life insurance carriers, and what you can do now to secure a policy with the best rates in the industry.
There are many different types of hormonal health concerns, and each is different from the next in how it changes the daily functions of your body. Hormones are a necessary in moderating these functions, and Cushing’s Syndrome is one of the imbalances. When you go to purchase life insurance with Cushing’s Syndrome, it will affect your ability to qualify and your premiums, as well.
Cushing’s syndrome is a hormonal disorder caused by prolonged exposure of the body’s tissues to high levels of the hormone cortisol. Sometimes called hypercortisolism, Cushing’s syndrome is relatively rare and most commonly affects adults aged 20 to 50. People who are obese and have type 2 diabetes, along with poorly controlled blood glucose-also called blood sugar-and high blood pressure, have an increased risk of developing the disorder.
Signs and symptoms of Cushing’s syndrome vary, but most people with the disorder have upper body obesity, a rounded face, increased fat around the neck, and relatively slender arms and legs. Children tend to be obese with slowed growth rates.
When you’re making your purchase of life insurance with Cushing’s Syndrome, there is quite a bit to consider. Time is one of the most important elements. Because there can be long term effects, showing a stable history for many years is one of the key ingredients to the best rates. Often times, after a five year period you’ll be eligible for Standard rates, and this will be your best case scenario, as long as any sign of pituitary disease has been eliminated.
But if you’re applying for life insurance with Cushing’s Syndrome before a five-year period has passed, you can still qualify at slightly increased rates. You will be approved at different ratings depending on how many years it has been since your diagnoses (and other health concerns, of course). Any other symptoms, treatments, surgeries or anything else which has helped you stabilize your health is all considered. Here are some symptoms which the underwriter will want to know about:
These symptoms won’t necessarily drop your rating further, but help the underwriters to assess how stable you are. If you do, however, suffer with diabetes in addition to the Cushing’s Syndrome, this is a bigger deal. Depending on whether you are Type I or Type II and how stable your blood sugar is, there could be a fairly large impact.
Here are some other health concerns which can hurt your chance at an approval:
After you apply for life insurance with Cushing’s Syndrome and answer all the questions directly for the Cushing’s, you’ll need to answer additional questions for all other medical concerns as well so the insurance company can properly assess your long term risk to them. The higher the risk you pose, the higher rates you can expect. If you suffer from any of the above, the Cushing’s Syndrome may be the least of your worries and your rating may influenced heavily by the additional medical condition.
If you or someone you know is looking for life insurance with Cushing’s Syndrome, please give us a call. We’ll do our best to assess your personal situation so we can give you accurate quotes. While we can’t guarantee you a traditionally underwritten policy, we’ll at least be able to get you a graded life insurance policy so you can protect the ones you love.