A woman with endometriosis may have concerns about obtaining life insurance. These concerns may be legitimate if there were complications, but under normal circumstances, buying life insurance with endometriosis tends to be straightforward.
Welcome to Waterway Financial Group. We’re high risk life insurance specialists and finding affordable life insurance with endometriosis is not a foreign practice for us.
While it can present complications, from an insurance prospective endometriosis is still very insurable. Some companies have more relaxed underwriting guidelines than others, but a successful approval is common. Let us be a resource for you in obtaining a policy.
Affecting as much as 5 million women across the United States currently, endometriosis is one of the more common health issues for women. A lot of the cases of endometriosis can be dealt with using minor treatments, pain medications or hormonal alternatives. However, some cases require more extensive treatments, surgeries or other practices. To better understand what an under for life insurance with endometriosis is looking for, let’s take a quick look at endometriosis.
According to The Office of Women’s Health (a division of the U.S. Department of Health and Human Services):
Endometriosis is a common health problem in women. It gets its name from the word, endometrium (en-doh-MEE-tree-um), the tissue that lines the uterus or womb. Endometriosis occurs when this tissue grows outside of the uterus on other organs or structures in the body.
Most often, endometriosis is found on the:
- Fallopian tubes
- Tissues that hold the uterus in place
- Outer surface of the uterus
- Lining of the pelvic cavity
Other sites for growths can include the vagina, cervix, vulva, bowel, bladder, or rectum. In rare cases, endometriosis has been found in other parts of the body, such as the lungs, brain, and skin.
While there are many ties to what could cause endometriosis, it is most closely tied to menstrual cycles. The first signs and symptoms are greater abdominal pain, periods lasting over a week, or cycles lasting shorter than 28 days. Life insurance carriers are looking for external causes which could be chronic health conditions, but these basic symptoms will not be of great concern.
After a review with your primary care physician or gynecologist showing just minor signs of endometriosis, you could expect no affect to your life insurance rates. Securing Standard would be more dependent on your full health history, driver’s record, and MIB than the endometriosis. If you can otherwise get great rates, your endometriosis will be no major concern. Treatment would need to be limited, such as over-the-counter medications and regular follow-ups.
We’re able to secure a vast majority of applications for life insurance with endometriosis with a standard rating, however, there are some situations which present a more difficult case. Instances where malignant tumors are found, there is noticeable organ damage, or a spread of the endometriosis to non-localized areas where it’s generally found. While rare, these can cause concerns for insurance carriers as they can’t determine the full risk of the endometriosis over time.
Here are some of the topics you might be asked about when you apply for life insurance with endometriosis:
Depending on your answers, you could see different ratings, although not typical. Treatments, medications, and symptoms of endometriosis are expected as endometriosis is not curable at this time.
We work with over 50 different life insurance companies who all have varying underwriting guidelines. We can assist you in finding the appropriate carrier to make sure you not only get the best rating, but pay the least premium available to you. If you have questions or concerns, or just want help in evaluating your particular situation, give us a call. We can pre-screen you to get an accurate quote.