If you’re looking for life insurance with a back surgery history, we can help you. We can help you understand your back surgery life insurance eligibility. Having back surgery is just one area that the life insurance company will want to know about before issuing your life insurance policy.
The United States has the highest rates of spinal surgery in the world.
If you have had a spinal surgery in the past, you are in good company with many other Americans. Over 80% of the population will experience lower back pain at some point in their lives.
Why do people need back surgery?
People undergo back surgery to repair damage to the spine or alleviate pain as a result of injury to the spine.
There are a number of things that contribute to spinal injury:
- Accidents (auto, sports, recreation, employment, etc.)
- Repetitive injuries
- Being overweight (places stress on spine)
- Poor posture
- Hereditary spinal problems
- Ergonomic insufficiencies
- Disease or genetic factors
How will having back surgery interfere with my life insurance qualification?
Why you originally had or needed back surgery will be the first thing that the insurance company wants to know. If you have a hereditary or congenital back problem, the underlying medical issue may have more impact on your ability to purchase life insurance than the surgery itself.
If you are involved in a workplace accident that resulted in back surgery, and you are completely healed from your surgery, then this would have less impact on your ability to purchase life insurance.
If you are overweight and carry much of your weight in your belly area; it can cause stress to the lower spine. This may, over time, result in the need for back surgery. In this case, you’re being overweight will have more impact on your ability to purchase life insurance than the surgery itself.
If you paraglide for recreation, and you took a hard landing that resulted in the need for back surgery, the insurance companies will want to know this.
If you still skydive after your back surgery, your skydiving activities will have more of an impact on your ability to purchase life insurance than the back surgery itself.
How has your injury or surgery healed?
If you have had a successful back surgery and are then released by your doctor with no restrictions in the future; it will have less of an impact on your ability to purchase life insurance. Unless there are any underlying hereditary diseases or other medical spinal complications- you will be able to qualify for the best life insurance rates.
Back surgery life insurance…what other things will the life insurance company’s look at?
Life insurance companies will consider everything about you and your body when considering your life insurance eligibility. Here are just some of the things life insurance companies will consider before issuing your life insurance policy:
- Your height & weight
- Current illness & diseases
- Foreign travel
- Marital status
- Medications prescribed
- Other life insurance in place
If you have had back surgery, call us to help you understand your back surgery 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 back surgery or other surgical medical conditions.
We work with clients across the nation to get the best life insurance rates possible. If you have had back surgery or spinal problems, we can help you get the best back surgery life insurance rates.