Costs of Life Insurance With an Autoimmune Disease

Searching for a suitable life insurance policy when you are afflicted by an autoimmune disease can be challenging.

There are specialized life insurance agents who can help you find the best coverage options for your condition.

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You will be asked to provide information regarding your health status, so that all your policy questions can be answered accordingly. Your agent will then advise you on which policy is the right one for you, based on your needs and financial situation.

Our goal is to provide you with all the assistance you need in order to get your life insurance approved, while keeping costs low.

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You don’t have to be alone in this fight. It is crucial to get all your questions answered in order to make an informed decision and select the right policy.

When you seek out an independent life insurance agent, you will have access to a list of companies to choose from, including some that do not require you to pass a health exam.

What Exactly Is An Autoimmune Disease?

An autoimmune disease is characterized by the body's immunological system becoming hostile to itself. Healthy tissues are attached by the immune system for no particular reason.

Autoimmune diseases have yet to be linked to a specific cause. We hope that science will soon be able to provide a solution.

Here is a list of a few of the 80 or more autoimmune diseases that have been discovered to date:

What Are the Symptoms of Autoimmune Disease?

Based on the type of autoimmune disease, you may get different symptoms. We have listed a few:

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  • Joint pain and swelling
  • Fatigue
  • Skin problems
  • Fever
  • Swollen glands
  • Rashes
  • Abdominal pain

Such symptoms might vary from minor to severe depending on the individual. Having these symptoms does not necessarily imply that you are affected by an autoimmune disorder. It is always recommended that you see a doctor and describe your symptoms, so that the doctor can run the appropriate tests.

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What Kind of Tests Might My Doctor Request?

Your doctor will perform a physical examination that includes taking your temperature, monitoring your heart rate, and more. Talk to your doctor about any concerns that you might have.

You may be asked to conduct blood and urine tests. However, there will be a lot to rule out, since several infections can produce the same kind of symptoms. Here are some of the blood tests that you may be asked to take:

  • Antibody tests
  • C-reactive protein
  • Complete blood count to analyze white cells, red cells, hemoglobin, and so on
  • Urinalysis (used to detect infections involving the bladder or kidneys)
  • Comprehensive panel to assess your kidney, liver, and other organs' health status
  • Erythrocyte sedimentation rate

Numerous tests are conducted to evaluate the condition and performance of your organs. In certain cases, such tests are insufficient to establish whether or not you are affected by an autoimmune disease. You may be asked to get additional tests done, such as x-rays, ultrasounds, or blood tests.

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Being Diagnosed with an Autoimmune Disease

If your test results come back to indicate that you are affected by an autoimmune disorder, you might find yourself feeling hopeless. However, you should not feel this way, since there are a variety of treatments that can be used to improve your health. Your doctor will be able to advise you on what the next step should be.

Your lifestyle plan may incorporate diet, exercise, mental health support and an overall lifestyle change. These changes will be necessary in order to help you heal.

Make sure you make a decision only after consulting an expert and gathering all the information you need. Life insurance will undoubtedly be an important part of your journey to a healthier lifestyle.

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Which Life Insurance Plan Is Right For Me?

Selecting the perfect life insurance policy may appear to be a stressful task. Anyone would find it tiresome to spend hours searching the internet and going through pages and pages of terms and conditions, as well as obtaining and reviewing quotations. Using an independent life insurance agent could save you a lot of time and effort.

Independent life insurance agents have worked with several major life insurance providers throughout the years. Knowing which companies will approve your policy and what to do to increase your chances of approval is just one of the many things an independent agent can help you with.

They'll review your health status, answer all the questions you have and assist you in figuring out which plan you may be able to afford. Here are some of the available life insurance policies:

  • Permanent Life Insurance provides lifetime coverage. There are two types:
    • Universal life
    • Whole life
  • Term Life includes three types of insurance:
    • Term insurance: insurance that runs for a set date range
    • Mortgage life insurance: designed to protect loans
    • Group Life Insurance: suitable for groups such as pension members, employees, and so on
  • Endowments insurance releases a lump sum of money at maturity or death. There are two types:
    • Senior and pre-need products: a type of whole life insurance for seniors that is much more affordable to purchase
    • Accidental death: pays benefits upon the accidental death of an insured

There are many options for life insurance and they can vary depending on the plan you choose, the price and the restrictions. You can discuss your needs with an independent life insurance agent who will be able to list the options available to you.

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How Do Insurance Companies Rate Someone’s Condition?

The way health problems are rated varies from company to company. A variety of difficulties and treatment options are presented by each individual medical condition.
For life insurance providers, knowing what your recovery journey looks like is extremely important. Taking an active role in your treatment and maintaining a healthy lifestyle are key to keeping expenses down.

Life insurance companies will inquire about a few fundamental rating criteria that are consistent throughout the industry.

  • What exactly is your diagnosis?
  • Will you need a secondary diagnosis?
  • When did your doctor diagnose your condition?
  • Was hospitalization needed?
  • Are you taking any medications?
  • Is your condition stable?

Always keep in mind that the more you lead a healthy lifestyle, the simpler it will be to get life insurance at a cheap premium cost. Communicate openly and honestly with your independent life insurance agent.

There may be additional questions about your current health that your agent will ask you. It is possible that you may be required to undergo a health examination.

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Find The Right Life Insurance Company For Your Needs

When you're on your own, finding life insurance policies that meet your requirements may be difficult. Finding the best policy involves going through tons of information, obtaining estimates, asking the right questions, and so much more.

The good news is that you do not need to do this alone. Independent life insurance companies are ready to help you in your quest for life insurance coverage.

Having access to a large number of major insurance companies, your independent agent is well-versed in knowing which life insurers will need you to undergo a health examination. Instead of filling out multiple questionnaires, you will only have to complete one.

During your consultation, your insurance agent will review the details of the life insurance policy, your personal and financial situations, as well as plans and objectives for you and your family. Selecting the perfect life insurance policy is critical; it should meet your needs, provide the coverage you require, as well as protect your loved ones.

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Multiple Sclerosis (MS)

Multiple sclerosis (MS) is a chronic autoimmune disorder that affects the central nervous system, which includes the brain, spinal cord, and optic nerves. Here are some key points about multiple sclerosis:

  • It is an autoimmune disease where the body's immune system mistakenly attacks and damages the protective covering (myelin sheath) around nerve fibers.
  • This damaged myelin prevents the nerves from effectively conducting electrical signals, leading to a wide range of potential symptoms.
  • Common symptoms include vision problems, numbness, tingling, muscle weakness, impaired coordination and balance, fatigue, cognitive difficulties, and problems with bladder and bowel function.
  • The causes are not fully understood but are thought to involve a combination of genetic and environmental factors that trigger the autoimmune response.
  • It is most commonly diagnosed between ages 20 and 50, and affects more women than men.
  • There are different types including relapsing-remitting MS (with flare-ups followed by periods of remission) and progressive forms.
  • While there is no cure yet, several disease-modifying therapies can help slow progression and manage relapses.
  • MS is unpredictable and symptoms can come and go over time. Early treatment is important to slow worsening disability.

So in summary, it is an autoimmune disease causing nerve damage that leads to a variety of potential neurological symptoms with a highly variable course from person to person.

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Lupus is a chronic autoimmune disease that can cause inflammation and pain in various parts of the body. Here are some key points about lupus:

  • In lupus, the immune system becomes hyperactive and attacks normal, healthy tissue. This leads to inflammation, swelling, pain, and potential damage to joints, skin, kidneys, blood, the heart, and lungs.
  • Symptoms can include fatigue, fever, joint pain, stiffness, butterfly-shaped rash across cheeks and nose, skin lesions, and periodic flare-ups when symptoms worsen.
  • It is an autoimmune disorder, meaning the body's immune system mistakenly attacks its own healthy cells and tissues.
  • The exact causes are unknown, but lupus likely results from a combination of genetics and environmental triggers like infections, ultraviolet light, and possibly medications.
  • There are several types, with systemic lupus erythematosus (SLE) being the most common and affecting multiple organs.
  • Treatment focuses on managing symptoms and flare-ups with anti-inflammatory drugs, corticosteroids, immunosuppressants, and lifestyle changes.
  • While there is no cure yet, with proper treatment, many with lupus can manage their symptoms and reduce flare-ups.

Lupus can range from mild to severe, and early diagnosis and treatment are important to prevent organ damage. It is a complex disorder that affects each person differently.

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Guillain-Barré syndrome (GBS)

Guillain-Barré syndrome (GBS) is a rare neurological disorder in which the body's immune system mistakenly attacks part of the peripheral nervous system. This leads to nerve inflammation that causes muscle weakness and sometimes paralysis.

Some key points about Guillain-Barré syndrome:

  • It is an autoimmune disorder where the immune system attacks the myelin sheath around nerves. This disrupts the transmission of nerve signals.
  • Symptoms usually start with weakness and tingling in the legs that spreads to the arms and upper body over days or weeks.
  • In severe cases, it can cause full-body paralysis and affect breathing muscles.
  • It is often triggered by a preceding bacterial or viral infection, such as the flu or a gastrointestinal infection.
  • It can affect people of any age but is more common in adults and males.
  • While it can be life-threatening, most people recover from even the most severe cases with treatment and supportive care, though recovery can take months or years.
  • Treatment focuses on managing symptoms with plasma exchange or immunoglobulin therapy to suppress the autoimmune attack on nerves.

Summarizing, it is an acute autoimmune neuromuscular condition that causes rapidly progressing weakness due to nerve damage, but has a good recovery prognosis with proper treatment.

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Rheumatoid Arthritis

Rheumatoid arthritis is a chronic autoimmune disorder that primarily affects the joints. Here are some key points about rheumatoid arthritis:

  • It is an autoimmune disease, where the body's immune system mistakenly attacks its own tissues, specifically the lining of the joints (synovial membrane).
  • It causes inflammation, pain, stiffness and swelling in multiple joints, most commonly the small joints in the hands, wrists, feet and knees.
  • Over time, the persistent inflammation can damage cartilage and bone around the joints, causing deformity and loss of mobility if not properly treated.
  • The exact cause is unknown, but a combination of genetic and environmental factors (like smoking) seem to increase the risk.
  • It is a systemic disease, meaning it can also affect organs like the lungs, heart and eyes in some cases.
  • Common symptoms include fatigue, fever, loss of appetite in addition to joint issues.
  • While it cannot be cured, proper treatment involving disease-modifying drugs, biologics, physical therapy and lifestyle changes can help relieve symptoms and prevent joint damage.
  • Early diagnosis and aggressive treatment is important to stop or slow the disease progression and joint destruction.

So in summary, it is a chronic inflammatory autoimmune condition causing painful swelling and potential joint deformity if not controlled with medications and lifestyle management.

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