If you suffer from Berger’s disease and are in the market for life insurance with IgA nephropathy or Berger’s disease, you may find yourself having a tougher time getting covered than you were expecting. Medical conditions such as IgA nephropathy make finding life insurance more complicated simply because life insurance premiums are based on health and as health issues arise you may find yourself paying more. As with most conditions, the varying degrees will have a lot of influence on which type of policy you can apply for, and the premiums you can expect to pay.
We have a history of working with people who have had kidney complications, and of varying degrees. IgA nephropathy will be considered a kidney disorder from the life insurance carriers meaning it will have an effect on your life insurance rates. Depending on the severity of the condition we will be able to advise you on what is the best type of policy to consider ranging for traditional life insurance with IgA nephropathy or if we should take the guaranteed issue life insurance route to secure coverage.
IgA nephropathy is classified as a kidney disorder, but in the early parts of it you may not even see any kind of symptoms. Most people do not even realize anything is wrong until they see blood in the urine. This is due to proteins which normally are used for helping the body fight infections makes its way into the kidneys. Years after this happens it can cause blood to leak from the kidneys or excess protein in the urine.
Not all the times does this mean you will suffer long term problems, which is good for life insurance. The bigger issue lies in too much protein making it’s way into the urine which can cause extremities to swell. Once you have this condition for extended period of time, such as 20 years, it could cause the kidney to show signs of damage. The biggest risk is when it goes to your kidneys for a long period of time and could cause total kidney failure. This would require a transplant or full dialysis, and could even be a cause of death if not treated properly.
Anytime you are applying for life insurance with any medical condition, either past or present it is important to be patient during the application process. The factor which could be the most instrumental in your ability to obtain coverage is working with an agency who has a history of working with high risk cases. We have access to over 50 carriers, and we know the “sweet spots” of which carrier will best insure a certain medical history. This will allow us to pair you with a carrier who will not only give you the best chance at being approved, but also being approved at an affordable premium.
We will ask you a series of questions when you reach out to us which can help us point you in the right direction. Some of these questions will include:
Depending on your specific answers to these questions, we will be able to get a good idea of which health rating you can get. The more common life insurance with IgA nephropathy rating is usually a Substandard Table 2 to a Substandard Table 4. In extreme cases, where the kidneys are showing damage then it could result in a decline for traditional life insurance, which is life insurance with a medical exam. If you cannot qualify for traditional life insurance, then we can pursue guarantee issue life insurance options.
The best way to go about getting covered for life insurance with IgA nephropathy (Berger’s Disease) is to reach out to us directly so we can give you a personalized evaluation. We will also be able to provide you with specific quotes based on whatever budget you are working with.