There are over 4 million American’s who suffer from Sjogren’s syndrome. 9 out of 10 of those who suffer are women, and Sjorgen’s is 2nd most common autoimmune rheumatic disease.
If you suffer from Sjogren’s and are looking for life insurance the good news is that you can get approved for a policy.
Sjogren’s Syndrome and Life Insurance: What you need to know
However not all life insurance companies treat Sjogren’s the same way and we know which companies to work with to help you get approved for a policy at the best rates.
Some questions that we will ask you are:
- Date of Diagnosis
- Symptoms you have
- Past treatment and current treatment
- Medications Taken including quantity and frequency taken.
These are some of the questions that they are going to ask about your Sjogren’s Syndrome, but these aren’t the only questions that they are going to ask. They are also going to ask you dozens and dozens of questions about your overall health. It’s important that you understand all of the different factors that the insurance company is going to look at when you apply for coverage.
Not only will that look at your Sjogren’s syndrome, but they will look at your weight, your age, occupation, hobbies, tobacco usage, and much more. All of these are going to play a huge role in how much you pay every month.
If your Sjogren’s disease is mild you can get approved at a Table 1-3 rating, if it is more moderate you are likely to see a table 4-6 health rating. Your best rates will be with a term life insurance policy. When you speak to us we will ask you a few questions and based on that provide you with a customized life insurance quote based on your Sjogren’s Syndrome. Contact us or fill out the quote form below to get started.
No Exam Life Insurance
One option for coverage is to purchase a no medical exam life insurance policy. As you can guess from the name, these plans will give you life insurance without having to take the medical exam. Without the medical exam, the insurance company won’t get a picture of your current health. Before you purchase a no exam plan, it’s important that you understand the pros and cons of these plans before you decide which one is best for you.
One advantage of these plans is that you can be approved for coverage much faster than you can with a traditional policy. A normal plan could take a month or more to get life insurance, but with no exam policy, you can get life insurance in a matter of days. If you want life insurance as quickly as possible, then a no exam policy is going to be a better choice.
On the other hand, there are several drawbacks to these policies that you should be aware of. One of those is that you’re going to pay more for your coverage. Without the exam, the insurance company is taking a great risk, and they are going to offset that by charging you higher premiums.
Getting Cheaper Life Insurance
If you have been diagnosed with Sjogren’s disease, you might be worried about getting declined for coverage or being charged expensive premiums for your coverage. In most cases, neither of these are true. There are several ways that you can increase your chance of getting approved and getting lower rates. Making a few simple changes can save you thousands of dollars every year.
One way to do that is to improve your overall health before you apply for insurance coverage. When you apply for life insurance protection, the insurance company is going to require that you take a medical exam. The results of that exam are going to play a major role in how much you pay every month. If you want to save money, then you need to get better results from the medical exam. The two easiest ways to do that is to get exercise and cut out junk food. Both of these will help you lose weight, lower your blood pressure, and much more. If you’re overweight, then you’re going to pay around 50% more for that insurance policy.
Another way to save money is to cut out any tobacco that you currently use. If you’re a smoker, then you have a much higher chance of being diagnosed with lung cancer or having a heart attack, which means that you’ll be considered a high-risk applicant. If you’re a smoker, then you should expect to pay at least twice as much for your insurance coverage versus what you would pay if you didn’t smoke.
Every insurance company is different, and all of them are going to give you different rates depending on their medical underwriting and rating system. Some companies are going to offer you more affordable rates, while others are going to give you higher rates because of your health. Finding the best company is the difference in getting an affordable policy or one that’s going to break your bank every month.
There are hundreds of companies on the market, and all of them are going to give you different rates. Instead of wasting your time calling dozens of companies yourself, let one of our independent insurance agents do all of that hard work for you. Unlike a traditional insurance agent, our independent brokers work with dozens and dozens of highly rated companies across the nation.
Our agents have years of experience working with all types of clients across the country and we know which companies are going to offer you the best premiums based on your specific situation. We can help save you both time and money on your life insurance search.
You never know what’s going to happen tomorrow, which means that you shouldn’t wait another day to get the life insurance coverage that your family deserves. If something tragic were to happen to you, and you didn’t have life insurance, your family would be stuck with a massive hole of debt. Losing a loved one is never easy, but being responsible for debt is going to make the whole situation a thousand times worse.
Latest posts by Liran Hirschkorn (see all)
- The E-cigarette and Life Insurance— Why Prudential is the Logical Choice - December 15, 2017
- Life Insurance Exclusions - December 13, 2017
- Life Insurance for Helicopter Pilots: Avoiding High Fees - December 11, 2017