People with Achondroplasia need life insurance just like everyone else; we can help you get approved for Achondroplasia life insurance.
Life insurance is an important financial planning tool for people diagnosed with dwarfism or achondroplasia.
What is Achondroplasia?
Achondroplasia is a form of dwarfism that is defined as a “short-limbed” form of dwarfism. People with Achondroplasia are short in stature. The average adult male is 4’4″ tall; the average adult female is 4’1″.
People diagnosed with Achondroplasia have an average sized trunk, short arms and short legs (upper arms and thighs are noticeably shortened), a limited range of elbow motion, and an enlarged head with a prominent forehead.
How common is achondroplasia?
Achondroplasia is the most commonly diagnosed type of short-limbed dwarfism. Achondroplasia occurs in 1 out of every 20,000 newborn babies.
What medical problems do Achondroplasia sufferers have?
Health concerns associated with Achondroplasia include the following:
- Sleep apnea – while sleeping, a person’s breathing will stop or slow down for short periods.
- Obesity – many patients with Achondroplasia have troubles managing their weight properly (in relation to their height)
- Ear Infections – many patients with Achondroplasia suffer from frequent ear infections that can lead to hearing loss over time.
- Spinal irregularities – many Achondroplasia sufferers develop a noticeable and permanent sway of the back that develops in early childhood (lordosis & kyphosis).
- Bowed legs – many Achondroplasia patients develop a noticeable and permanent bowing of the legs that develops in early childhood.
- Spinal stenosis – due to the abnormal curvature of the spine, Achondroplasia patients often suffer from spinal stenosis. The spinal canal is narrower with patients suffering from spinal stenosis. This can pinch or compress the spinal cord- leading to pain, weakness, and a tingling in the legs that may make walking difficult.
- Hydrocephalus – a buildup of fluid in the brain and children affected with Achondroplasia can lead to brain abnormalities and an increased head size.
Where can I purchase life insurance if I have achondroplasia?
The unique health diagnosis of patients with achondroplasia poses unique underwriting challenges for life insurance companies. If you’re looking for achondroplasia life insurance, achondroplastic dwarfism life insurance, or achondroplastic life insurance then you have come to the right place.
What is the life insurance underwriting process for dwarfism?
Depending on the insurance company, and the height and weight of the life insurance candidate, a person with dwarfism may qualify for a nonmedical life insurance policy.
Because of the unique health challenges that many people with dwarfism have; many life insurance companies will require a fully underwritten medical evaluation before issuing a life insurance policy.
Who should I purchase my life insurance from?
Dwarfism and achondroplasia are unique health conditions that require a life insurance agent to be knowledgeable in underwriting procedures and practices. Most life insurance agents have not written Achondroplasia life insurance for little people.
You will want an agent who has worked with dwarfism life insurance candidates, who has researched insurance company eligibility, and who has spoken with underwriters about this medical condition in the past.
At Life-Wealth-Win we are uniquely qualified to help you purchase life insurance if you are a dwarf or have been diagnosed with achondroplasia.
What kind of life insurance rates will I pay?
If you are in good health with no medical complications, standard life insurance rates are possible.
If you have other medical problems and complications, past surgeries, problematic prescription history, or a height and weight that is out of build chart specifications, you may be put into a higher premium bracket, or possibly declined or postponed.
What are my first steps to purchase Achondroplasia life insurance?
Your first step would be to give us a call so we can understand your entire medical history. We will need to know your age, height, weight, medical problems, prescriptions, and other items that will be asked on your life insurance application.
After gathering all your information, we will approach insurance company underwriters with your information to see who will offer you the most life insurance coverage at the best rates.
When should I purchase life insurance with Achondroplasia?
The earlier you purchase life insurance, the better.
As you grow older, you run the risk of more medical complications which will make your life insurance premiums increase, or make you ineligible for life insurance in the future.
With dwarfism, the sooner you get life insurance coverage, the better. Purchase as much as you can afford for the longest length of time that you can afford it. Your future self will thank you for taking action on this at an early age.
If you have been diagnosed with Achondroplasia, call us to help you understand your life insurance options.
At Life Wealth Win, we specialize in healthy to high-risk life insurance cases. We can help you understand your life insurance options with Achondroplasia.
We work with clients across the nation to get the best life insurance rates possible. If you have Achondroplasia, we can help you get the best life insurance rates.