Life Insurance Approval with Hemochromatosis
It is possible to find affordable life insurance if you have been diagnosed with Hemochromatosis.
Quick Tip: Contact us at 858-703-6178 with the specifics of your condition. We have an underwriting advisor on staff who will guide you to the life insurance company that will offer the lowest life insurance rates for your unique circumstances. We work for you and not the life insurance company and our goal is to help you secure the protection you need at the lowest price.
We will explain how the disease impacts a person and the approach used by life insurers to rate this disease.
If you have this condition we will also outline what information a life insurer will use to determine your rating classification so you know what to expect if you have been diagnosed with hemochromatosis.
What is Hemochromatosis?
Hemochromatosis is a condition caused by an excess build-up of iron in the blood. This condition is treatable but is not curable. Iron can be found in many foods that you consume.
When too much iron accumulates in the blood it can have a toxic effect on the human body. The danger occurs when the iron builds up in the vital organs of the body such as the liver, the heart and the pancreas.
Excess iron in the liver can result in an enlarged liver, cirrhosis, liver cancer or even liver failure.
Too much iron in the heart can result in arrhythmia which is an irregular heart beat or even heart failure.
Excess iron in the pancreas can result in the development of diabetes.
Hemochromatosis can also result in causing damage and pain in the joints, and can also cause reproductive failure in both men and women. It may also affect the pituitary, thyroid and adrenal glands
If the condition isn’t treated, it can result in death.
Types of Hemochromatosis
There are 2 types of hemochromatosis which include:
- Primary Hemochromatosis
- Secondary Hemochromatosis
Primary Hemochromatosis is caused by a genetic defect that controls how much iron you can absorb into your body and is often inherited.
Secondary Hemochromatosis is caused by some other disease or condition which results in causing the iron to accumulate and may cause organ damage from toxicity.
Many people have this condition and don’t even know it because the condition doesn’t always manifest itself with symptoms. Some people don’t even exhibit symptoms. Hemochromatosis can be diagnosed with simple blood tests of liver enzymes and iron levels.
The condition can also be worsened by high intakes of vitamin C, vitamin supplements with iron, or excess consumption of alcohol.
The medical outlook for people with this condition depends on the extent of organ damage they may or may not have incurred. If discovered early, the condition is very treatable and most people in that situation can expect to have a relatively normal life span.
Some of the symptoms that people may experience with this condition include:
- Changes in your skin color where it may appear grey or bronze-like
- Joint pain
- Weight loss
- General weakness
- Stomach pain
Hemochromatosis and Life Insurance Rating Factors
How you will be rated will be determined by how early you were diagnosed and the degree to which the condition has affected you.
Your rating will depend on how well the iron levels are controlled with treatment and if any organ has been affected, and the extent of any physical damage caused by the condition.
If you have been diagnosed early and are responding well to treatment, a “standard” rating is very possible. Otherwise you can expect a higher rating or will be declined altogether.
Those who have been declined by all insurers may have to consider a Guaranteed Issue policy or a Graded death benefit policy.
Information Required By Life Insurers To Rate Hemochromatosis
The information required by an insurer to evaluate your condition will include:
- The date the condition was diagnosed
- Whether you undergo regular therapeutic phlebotomy (means a process where blood is withdrawn) and how often
- Results of liver enzyme tests including GGTP, SGOT/AST, and SGPT/ALT
- Has the condition affected any organs
- Your family history
- Any other significant health issues
Finding Low Cost Life Insurance With Hemochromatosis
You can find low cost life insurance approval with Hemochromatosis by using an independent insurance agent who is familiar with getting clients approved for life insurance with any medical condition.
We have access to over 70 life insurance companies so we know which ones are the best life insurance companies and which are more lenient when it comes to issuing a policy for someone with Hemochromatosis and other health related conditions like anemia or diabetes.
Why You Should Use Abrams Insurance Solutions
We work with an underwriting advisor who is familiar with how each life insurance company prices a policy if you have Hemochromatosis. After learning the specifics of your condition, we will use the knowledge of our advisor to apply with the insurance company that is most likely to approve you with the lowest rate on your policy.
There is no charge for this service and our goal is to find you the best and lowest cost life insurance policy if you have Hemochromatosis or any other medical condition.
If you have any questions, concerns or need advice during the process of finding life insurance approval with Hemochromatosis, or any other health related concerns, then call us at 858-703-6178 today because we work for you and not the insurance company. We will find you coverage at the lowest rates for your situation.
I have Hemochromatosis and am 37 I years old. Otherwise I am very healthy. I would like to hear more information on receiving term insurance. You write back or cal me at:
Matthew I just emailed you some questions to answer so I can research the best life insurance option for you.
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