Liver disorders come in varying degrees of severity, and finding life insurance with liver disorder can be a challenge if you are not working with a high risk life insurance agency. If you have been diagnosed with a liver disorder, this may be the first time you are thinking about purchasing life insurance, or you may be considering increasing the existing coverage you already have. Either way we can help you evaluate the life insurance options you have to help you find a plan which will fulfill you coverage needs. Life insurance with liver disorder is a “high risk” condition, but in most cases it is still insurable.
Liver disorder can be a very serious red flag for life insurance providers because of the varying degrees of severity and the progressive nature of the disorder. On a positive note, many people are able to successfully receive liver transplants in the disorder progresses this far along and are able to live perfectly health lives, and to beyond life expectancy. This post will describe how different degrees and stages of liver disorders will impact your ability to purchase life insurance, the rates you can expect, and the questions which go into underwriting life insurance with liver disorder.
I mentioned earlier in this post the issue of so many different types of liver disorders existing, and how which specific type you have will greatly impact your ability to purchase life insurance. Which symptoms you are experiencing also weigh heavily on the availability of certain types of products. Some of the most common symptoms of a liver disorder would include inefficiencies in metabolism, autoimmune disorders, absorption problems of lipids, digestive complications, and imbalances in blood sugar.
One of the first things life insurance carriers are going to do is see how your liver disorder is impacting your day to day life, the long-term impacts of these complications, and how likely a more serious disease is to develop.
The treatments you are using for liver disorder also can have an effect on life insurance with liver disorder. Some can be damaging in the long term, and some can have really good results. If you have going for small dosages of treatment and the results have been good than it may be easier to obtain life insurance with liver disorder. Life insurance with liver disorder is also highly related to other activities which you participate in such as smoking and alcohol consumption which could possibly worsen your condition.
When working with a high risk life insurance agency one of the most important aspects for us is information. The better information you can provide us the more accurate results we can provide for you. We will transfer your responses to company underwriters before submitting a formal application to get tentative offers. This will save you time and money before you even purchase a life insurance with liver disorder policy. Some of the most common questions surrounding life insurance with liver disorder may include:
Your responses to these specifics questions regarding life insurance with liver disorder will help us to choose a policy which you can obtain and meets your specific goals. Any other additional information which you could provide us in relation to medical issues you may be experiencing would also be extremely helpful to us.
Approvals for life insurance with a liver disorder can range greatly from standard rates to possible declines. These really should be considered on a case to case basis which is why it is so important to work with an independent life insurance agency who specializes in high risk cases. Our advantages lies in the resources we have available and the knowledge of how underwriting works. Life insurance underwriting can be confusing for consumers which is why we are here to help. You can contact via our quote form, or you can call us directly to speak with an experienced life insurance agent.