If you suffer from Sjogren’s Syndrome, you’re one of an estimated four million Americans who suffers from the condition. The disease affects both men and women, but mostly women in their 40s or older. In this article, I’ll cover life insurance options with Sjogren’s Syndrome and what you can expect when looking for a policy.
Regardless of your age or your health, you should consider buying a life insurance policy. Most people don’t have life insurance coverage or don’t have nearly enough.
Before you Shop for Life Insurance
There are a few key items to know when looking for a policy. First, not all life insurance companies underwrite in the same way. In plain English, that means that while one company may decline someone with Sjogren’s, another may approve. If you’ve been declined it’s possible that you applied with a company that is more conservative in their life insurance underwriting guidelines.
We also recommend that you use a high risk life insurance agent if you have any pre-existing health condition such as Sjogren’s. We aren’t just saying that because we specialize in high risk, we say it because working with an agent who has already helped someone in your situation get approved will give you a better chance of seeing the same results.
Life Insurance with Sjogren’s: What Life Insurance Companies Want to Know
Here are some questions that a life insurance company will want to know. To get the answers they will require an exam, and review your prescription and medical records. If however you have these answers upfront, we can give you an idea of what to expect:
- When were you diagnosed?
- What are your current symptoms? Many people with Sjogren’s suffer from dry mouth and eyes.
- What is the current treatment? Are you taking medications? If so which ones and how often?
- Do you have any other conditions often associated with Sjogren’s such as Rheumatoid Arthritis or Lupus?
If your condition is mild, or moderate and controlled well with treatment we should be able to help you get approved for life insurance.
Your rates will most likely be higher than Standard rates and we can provide you with a quote after speaking with you and getting the answers to the questions above. If the condition is more severe we can still pursue a graded benefit life insurance policy.
No Exam Life Insurance Possibilities
If you have been declined in the past, there are still several options for getting life insurance coverage. One alternative is to go for a no exam life insurance plan. You get the coverage without having to go through the medical exam.
One benefits of these plans is how quickly you can get accepted for insurance protection. Without the medical exam, you can get a decision in days. Don’t wait over a month to hear from the agency.
All of the convenience comes at a cost, higher premiums. The less information the insurance company knows about your health, the more cautious they are going to be. With no exam, the get less health info, which means higher rates.
The main reason a lot of applicants don’t buy a no exam plan is because of the limit on coverage. Unlike a traditional policy, there is a low ceiling on how much life insurance protection you can buy. Each company has different limitations, but most cap their plans at $250,000.
Don’t Give Up
Yes, it might be frustrating to get life insurance. It could take a whole, but it’s important you keep chugging along. If anything awful were to ever happen to you, your family would be beyond grateful for your persistence in buying a life insurance policy.
It might sound miserable to buy a life insurance and think about your passing, but we can make the journey a lot smoother. We can guide you through the process, from day 1 until you sign the papers.
As a life insurance applicant with Sjogren’s syndrome, you might have more problems getting the perfect life insurance compared to what other people would experience. It’s not impossible, but we recommend you get all the help you can.
Each insurance company is going to have different standards on how they view Sjorgren’s. You may find a company who is going to reject you for coverage while another company is going to offer you competitive rates.
You could spend weeks sifting through companies, or you can let us take the wheel. We can bring a whole set of rates in a fraction of the time it would take you do get the same amount of quotes. Let us help you decide which plan meets your needs.
Even if you have been previously declined, it is possible you used a life insurance agent that didn’t specialize in high risk life insurance. If you would like a custom life insurance quote, use our quote form on this page, or call us at 888-552-6159.