If you are looking for dwarfism life insurance or Achondroplasia life insurance then you have come to the right place. “Little person” life insurance is an important financial planning tool for people diagnosed with dwarfism or achondroplasia.
Dwarfism life insurance protects the loved ones of people diagnosed with dwarfism or achondroplasia. It is a critical financial planning tool to protect your home, assets, loved ones, and businesses. Your overall health is important when qualifying for dwarfism life insurance, but dwarfism or achondroplasia life insurance is available and affordable.
What is dwarfism?
Dwarfism is a shortness in height resulting from a genetic or medical condition.
Dwarfism describes people who are short in stature. If a person’s adult height is under 4’10” they are diagnosed with dwarfism.
There are over 300 different medical conditions that can result in a dwarfism diagnosis.
Types of dwarfism:
- Achondroplasia is a genetic condition that that occurs in about 1 in 15,000 to about 1 in 40,000 people. Achondroplasia results in arms and legs that are shorter in comparison to the head and trunk portion of your body. A larger head is common with weaker muscle tone often accompanying this condition.
- Turner Syndrome only affects females.
- Growth hormone deficiencies often result in a dwarfism diagnosis. Growth hormone deficiencies may be related to genetic mutations. If you are female, Turner Syndrome life insurance eligibility is probably something that you are interested in.
- Hypothyroidism (an underactive thyroid) can cause dwarfism if present at an early age. Hypothyroidism can lead to additional health problems including limited growth. Low-energy, cognitive problems, and puffy facial features are often seen in hypothyroidism patients.
- Intrauterine growth retardation can lead to dwarfism and develops within the mother’s womb. Even if the pregnancy goes full-term; the baby may be smaller than average. This would typically result in a diagnosis of proportional dwarfism.
- Other genetic conditions include metabolism problems, hormone irregularities, kidney disease, and other medical conditions.
Do dwarfism individuals (Little People) have other medical problems?
People with dwarfism are no different than people of normal height and weight when it comes to health problems and impairments. People with normal height and weight suffer from a variety of medical conditions; as do little people.
Little people with dwarfism are more susceptible to some physical and medical problems that non-dwarfs are less impacted by. These may include:
- Boeing of legs
- Crowded teeth
- Motor skill development delays (such as crawling, sitting up, and walking)
- Sleep apnea (difficulty breathing while sleeping)
- Severe hunching or progressive hunching
- Curvature of the spine- with breathing problems
- Spinal stenosis (narrowing of the nerve channel and lower spine)
- Pain or numbness in legs
- Risk of hearing loss due to frequent ear infections
How does a person with dwarfism purchase life insurance?
Dwarfism is not a disease. There is, however, a greater risk of health problems within the dwarf population than for people of average height and weight.
Those with achondroplasia are susceptible to certain health risks; life insurance companies will want a full understanding of your physical and medical background.
The insurance companies will be especially concerned about the following areas:
- Spinal problems – people suffering from dwarfism often have lower back or lumbar region spinal compression issues that result in numbness, a tingling in the legs, and nerve compression.
- Obesity – many adult dwarfs experience difficulty maintaining a healthy weight for their height.
- Pregnancy – women with achondroplasia require a cesarean section. Females with achondroplasia are more susceptible to high-risk pregnancies.
- Surgery – spinal and respiratory issues may require surgeries throughout the lifetime of an adult dwarf.
Insurance company build charts
Most insurance companies have “build charts” offering height and weight ranges for which they will insure life insurance candidates.
Here is one example of an insurance company build chart (all companies have their own build charts):
Most people with dwarfism fall below standard build chart height and weight. The insurance companies do, however, have access to industry-standard build charts for little people in order to calculate life insurance premiums.
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 dwarf may qualify for a nonmedical life insurance policy.
Because of the unique health challenges that many dwarfs 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 companies and insurance underwriters have not written 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 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 dwarfism?
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 dwarfism or Achondroplasia.
We work with clients across the nation to get the best life insurance rates possible. If you are diagnosed with dwarfism or Achondroplasia, we can help you get the best life insurance rates.