In this article we talk about Life Insurance With Gout. If you have gout, you understand the pain this disease can cause within your body. As gout is a form of arthritis, you may wonder if you can get gout life insurance. The good news is you can get life insurance if you have been diagnosed with gout!
A gout diagnosis in your medical records is simply another question that must be answered on most life insurance applications. It does not mean you cannot get covered, it does not mean your rates will be unaffordable, and it does not mean you do not deserve to get the best life insurance rates possible!
We regularly work with people who have gout and can get them the life insurance protection they need and deserve. In this article, we will give you more information to help with your life insurance decision.
What is Gout?
Gout is a painful form of arthritis. It is caused by too much uric acid building up in the body. An excess buildup of uric acid in the body can lead to pain in your joints (often in the toe, insteps, ankles, heels, wrists, fingers, and elbows).
Gout can cause pain in joints very similar to osteoarthritis and rheumatoid arthritis.
Gout can be initiated by a stressful event, alcohol or drugs, or other illnesses in your body.
You are more susceptible to having gout if you:
- Have family members with this condition.
- You are a male.
- You drink excess amounts of alcohol.
- Eat too much food rich in purines.
- You have a genetic enzyme defect that makes it harder for the body to break down purines.
- You have been environmentally exposed to lead.
- You have had an organ transplant.
- You use medicines such as diuretics, cyclosporine, levodopa, or aspirin.
- You take niacin as a vitamin.
Gout and its effect on life insurance eligibility
Having gout is not a life-threatening medical condition. If you have gout, you can be accepted for most types of life insurance policies. If you are on medications for gout, then the medication you are on will often have a greater effect on the type of life insurance you can get (rather than the gout diagnosis itself).
Because some medicines used to treat gout can have serious and harmful side effects, insurance companies will look at what medications you are taking to control your gout side effects.
What will the insurance companies want to know about my gout?
- When were you diagnosed with gout?
- What area of your body is affected?
- What medications are you taking (NSAIDs, corticosteroids, colchicine)?
- Are your medications effective in controlling your gout?
- How many episodes of gout do you have per year?
- When was your last gout episode?
- Have you experienced any other complications due to your condition?
- Do you regularly visit with your rheumatologist?
- Are you compliant with your doctor’s medical treatment plan?
- Have you missed work because of your gout?
- Have you been able to perform daily living activities?
- Do you have any current laboratory results from the last 12 months?
What will my premium costs?
As with all life insurance, insurance companies look at many factors when determining what insurance rate class to place you in. They will look at your height, your weight, other medical conditions, any prescriptions you are on now (or have been in the past), and your current gout diagnosis.
If you have gout and it is well-controlled with medications (depending on the medication), you may qualify for a standard rate class.
If your gout is not well-controlled or you have a more serious case, then do not worry – we can still get you life insurance! You will likely have to look at a guaranteed issue or no medical exam life insurance policy.
So how do I apply for life insurance if I have gout?
Use our instant life insurance quote page to get a best-case scenario life insurance quote. You can also call us directly at 888-435-4342. We will ask you some medical questions that will better help us determine how the insurance companies will view your gout and overall health.
We can then help you determine the correct insurance companies to apply for life insurance at the best possible rates.
When should I get life insurance?
If you have recently been diagnosed with gout, then the best time to get life insurance is now. If your symptoms are mild, you will get the best life insurance rates possible with your mild diagnosis. If your condition gets progressively worse over time, your life insurance premiums will only increase, especially as newer and more aggressive medical regimens are prescribed.
If your gout gets progressively worse over time, your life insurance premiums will only increase, especially as newer and more aggressive medical regimens are prescribed.
What type of plan will I be eligible for and accepted?
If you have mild symptoms, you should be able to get a fully underwritten term life insurance policy at standard rates. If you have more serious gout symptoms, we will work with you on a one-on-one basis to get the best life insurance rates possible.
We have access to fully underwritten life insurance policies, no medical exam life insurance policies, and guaranteed issue life insurance policies. We will work with you to find life insurance companies that view your gout diagnosis and other medical history more favorably.
Just because you have gout does not mean you should not be able to get life insurance. Get your life insurance now before your gout progresses any further or leads to other more serious medical complications.
Suggestions for finding the best life insurance company?
Working with somebody, like Life-Wealth-Win, is the key to your success in finding a company that will accept your gout diagnosis more favorably. We have access to over 50+ different insurance companies to shop around for you!
Will find you the life insurance company that views your height and weight, medical conditions, and age more favorably to get you the lowest life insurance rates!
When should I get life insurance?
If you have been recently diagnosed with gout, the best time to get life insurance is now. If your symptoms are mild, you will get the best life insurance rates possible with your mild gout diagnosis.