How To Find Life Insurance With Anemia or Anemia-Related Conditions
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Are You Anemic? Can You Get Life Insurance?
If you’re currently or have ever suffered with a low red blood count, you could be anemic. If you’re anemic, you may wonder how it’s going to affect your ability to attain life insurance coverage. If you’ve got questions, we’ve got the answers you’re looking for.
Anemia? What Is It Exactly?
If you’re not sure what anemia is, here’s a simple explanation: it’s when your blood doesn’t have a lot of red blood cells in it. It also means your blood has a reduced hemoglobin count. Both of these are necessary because red blood and hemoglobin carries the oxygen throughout the body, giving it the energy it needs.
When either one of these are low, the body doesn’t get the oxygen it needs to properly function and organs don’t perform like they should.
Now, life insurance companies have an interest in your health, and since anemia can cause an array of health issues, it’s something they also look at. They’re going to want to know, in greater detail, about your anemia case.
Why Do People Suffer With Anemia?
There are many reasons a person develops anemia, but the great thing about this disease is that it’s not permanent in most cases. The most common reason people develop anemia is that they’re deficient in iron. Low levels of iron tend to happen because:
- Bad diet – not consuming enough iron-filled foods
- Pregnancy/child birth
- Colon cancer/polyps/ulcers
- Recent surgery
- Uterine fibroids
If you’re vitamin deficient, you could also develop anemia. If your body doesn’t have enough B12 vitamin, it can’t process iron. Folic acid is also necessary to produce red blood cells.
If your body is unable to absorb vitamins properly, anemia is usually the end result. It’s not uncommon for the absorption issue be due to vitamins, as your body may be unable to process syrups or tablets. After several months of following a healthy, balanced diet, you may no longer have this absorption issue.
Anemia deals with the blood, and it’s generally a symptom of another health problem or a symptom for some blood disease like sickle cell anemia.
Why Are Insurance Companies So Concerned With Anemia
The job of a life insurance underwriter is to determine what your overall health and lifestyle is, as they’ll determine if you’re at risk for dying early. Anemia isn’t particularly life-threatening, but it can lead to complications or be an indicator for a serious condition. This is what these companies are trying to find out. If your anemia is the result of a more serious issue, you may need to buy life insurance from a final expense company.
What Kinds Of Questions Could You Be Asked From Life Insurance Companies
If a life insurance company deems you are currently or ever had anemia, they’ll ask you some other questions to determine your risk level. Some questions can include:
- Was there an underlying reason for your anemia?
- What type of anemia did you have?
- Were you tested for additional diseases?
- How long did the anemia last? What was the lowest hemoglobin/blood count recorded?
- Were you hospitalized for anemia-related conditions?
- Did you ever have a blood transfusion for the treatment?
- Have you been symptomatic because of anemia – headache, loss of energy, fainting, dizzy spells, tiredness, etc.?
- Are you still currently receiving treatment?
The answers you give may determine if the agency decides additional tests are needed to get more information.
Can Anemia Suffers Attain Life Insurance Coverage?
Now, if you have anemia, you may be wondering if you can get coverage. Well, that depends on two things:
- What kind of anemia you have
- Severity of anemia case
Millions of men and women have anemia and don’t know it because the symptoms are extremely mild. If anemia has created health problems for your body and life, you could expect to pay more to attain coverage. Should you have a serious case of anemia that’s the result of an underlying problem, you could possibly be turned down for coverage. If you suffer with aplastic anemia disease, a blood disorder, you may also be turned down.
If a life insurance company turns you down, it’s usually due to you being a potential risk because of the condition. The money you pay and if the policy gets underwritten is going to be determined by what they see as your risk level due to the anemia.
Finding A Life Insurance Company Who Will Write Policies For Anemia Sufferers
Everybody is different, and each person’s life insurance needs are going to differ too. The wonderful thing about life insurance companies is that there are so many to choose from. If one company turns you down, it doesn’t mean another will. The process can be a little tedious, but with some effort and research, you can find a life insurance company who will offer you an affordable life insurance policy.
This is where Lifeinsuranceblog comes in. We have worked with people with all kinds of cases like anemia and anemia-health-related problems. We’ll work tirelessly to find you an anemia-friendly life insurance policy, taking into consideration your budget and your preferences for a policy. We work to give you the best possible life insurance coverage. We have more than 60 top-of-the-line insurance companies we deal with… not preferring one over the others. We’ll come up with a policy that best fits your individual situation.
Want to know more about to get a life insurance anemia policy, you can reach us at 888-411-1329.
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