When protein shows up in the urine specimen of an insurance exam, most insurance companies will either charge more, decline, or postpone you for this issue.
Getting life insurance with protein in urine is still possible, but it really depends on many factors.
The amount of protein or albumin in your urine, what’s causing the protein to show up, your age, and your kidney function or glomerular filtration rate (GFR) will all be factors in the rate for which you’ll qualify, if you qualify at all.
I just received a call from a woman who is disabled due to rheumatoid arthritis, and she really wants to have life insurance for her family and help pay for her final expenses.
There are some life insurance companies that will not offer insurance to anyone that has issues that are serious enough for them to be totally disabled. as this alone has underwriting ramifications. However, I know of some companies that will offer coverage if I explain that the disability income is required by the family and there will be a financial loss to the family in the event of this woman’s death.
Getting life insurance with high PSA is possible, but it may take a little work to find best insurance company for you.
If you’ve been diagnosed with a high PSA or it showed up high on an insurance exam, you may have trouble qualifying.
It’s possible you may not qualify at all with some insurance companies, depending on your age and how high your PSA was.
While a higher than normal PSA or Prostate Specific Antigen does not mean you have prostate cancer, the likelihood of having prostate cancer increases for those with a PSA above 4.0 ng/mL.
While it’s extremely rare for any cancer survivor to get a preferred plus life insurance rate, it can happen…
We got inquiry from a 69 year old gentleman who had surgery for oropharyngeal cancer 13 years ago, and he’s been in remission since.
His health was really good otherwise, but we still quoted him standard rates and told him we’d apply for better rate class. However, we were not comfortable quoting him lower rates, as we never want anyone to accuse us of “low-balling” someone.
This is definitely our coronary artery disease case of the month, and it may even be the case of the year as far as how much money we saved this gentleman…
This 69 year old gentleman who had 2 stents and a heart attack a year and a half ago applied for a $350,000- 15 year term life insurance policy (through another agent). He qualified for a monthly rate of $1,392.
This rate was much higher than he was expecting, but his agent told him this was the best rate he was going to get.
He found our website, and based on the information he provided, including his heart attack with 2 stents and a good stress test within past 12 months (which always helps on CAD cases), we were confident we could get him a much better offer than $1,392 per month.
This is a great example of a diabetic life insurance case for which both oral medication and insulin are used.
The unexpected can often turn up in underwriting, but you may also save $26,668, or significant money, if you deal with the right agent!
We were contacted by this 58-year-old male’s wife and she answered all of the questions for him.
He was diagnosed with diabetes three years ago, she believed his recent A1Cs were in 6s.
This man used both insulin and oral medication, never had any diabetic complications, was 6 foot and 225 pounds, and “never had cancer or any other significant problems.”
If you need life insurance after a heart attack, or any heart condition for that matter, and were able to get life insurance…
How do you know you really got a decent offer?
Most agents will tell you getting any offer of life insurance after a heart attack is great, and they may even tell you “NO company will beat this offer.”
You’ll see how these comments are often times wrong!
We shop really tough cases every day, and we still get surprised at the different offers that two different companies will make to the same person.
While we have been able to insure many of the “uninsurable” in the past, there are some issues which will cause 99% of all life insurance companies to automatically decline.
Even though there are more insurance companies that tend to specialize in insuring certain ailments and can make significantly better offers in their niche compared to other insurance companies, some issues are really tough to insure with the “regular” insurance companies.
While there are possible exceptions that can be made, below is a list of ailments for which almost every life insurance company with even semi-decent rates will decline:
If you’re having trouble getting approved for life insurance, you’re not alone!
What prompted to me to write this is an extremely angry gentleman who called me last week.
He had applied to a well-known life insurance company two months ago because he was required to have life insurance for an SBA loan.
This insurance was supposed to be in force and assigned to the lender by now, but his loan request is about to be declined due to the insurance not being in force yet.
Since I also do business regularly with this same insurance company he already applied to, and I wanted to help this gentleman, I contacted a friend of mine at this company to find out what the holdup was.
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Almost everyone who’s had coronary artery disease (CAD) and who has had a stent, stents, or bypass surgery is insurable for life insurance, but the cost can vary greatly depending on your exact CAD diagnosis, how well you’re doing since treatment, and your overall health otherwise.
You could possibly qualify for “Regular” or Standard rates if you’ve had no heart attack and your health is good otherwise, you were diagnosed over the age of 50 (the older, the better), you only have one or two coronary arteries other than the left main (LM) or left anterior descending (LAD) arteries that were involved,and all of your cardiac check ups since onset have been good, including a good recent stress test (completed within the past 18 months).
If you were diagnosed with CAD before the age of 50 and/or if you have had a heart attack with no significant heart damage and ejection fraction of 50% or higher, with only one or two coronary arteries involved, you could qualify for a policy with a slight Table 2 or 3 rating or additional charge.
If you’ve had a heart attack or were diagnosed with coronary artery disease prior to the age of 40, your CAD involves 3 or more of your coronary arteries, or you’ve had multiple incidents of CAD, then many insurance companies will decline you, or you’ll be more highly “rated” or charged a Table 4, 6, or even 8 rating than you would for less severe diseases.
In addition, if you have had a heart attack with more significant heart damage and your ejection fraction is less than 50%, you have recurrent chest pain after treatment, you had an abnormal stress test after treatment, or you have multiple issues like CAD and diabetes or CAD and a stroke, many (but not all) insurance companies with decent rates will decline you, regardless of how many coronary arteries were involved.
“High risk” or Guaranteed Issue companies will still offer you coverage, but it can get expensive. The insurance could have a limited death benefit payout if death occurs in the first two or three policy years and is caused by heart disease or another disease/illness.
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Shopping CAD cases is not easy, especially when only relying on the answers to questions that you provide.
Most people don’t know the specifics about their cardiac history that the insurance companies will need to provide an accurate quote. I don’t know every detail that shows up on my echocardiograms, so I understand most people are not going to know a lot of details.
These details could be things like which vessels were bypassed or stented, what the percentage of blockage in your vessels was prior to intervention, what your current ejection fraction is, etc.
