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There are all kinds of health conditions that can impact an application for life insurance. Getting life insurance with Sjogrens Syndrome is one of those conditions.
But don’t fret if the syndrome affects you.
Sjogren’s Syndrome is a condition that is fairly limited in scope, and will often not have a major impact on your application.
But that doesn’t mean that you should go out and apply to just any life insurance company. Each company has its own specializations, and the best one for you will be the one that takes the most positive view of Sjogren’s Syndrome.
So let’s explore the intricacies of getting life insurance with Sjogren’s Syndrome, and there are a few.
What is Sjogrens Syndrome?
Sjogren’s Syndrome is a disease where the immune system attacks tear glands and salivary glands. The immediate results are dry eyes and dry mouth, but also vaginal dryness or a dry cough. As the glands are damaged by the attacks, they fail to produce the necessary fluids to lubricate the eyes and mouth. Bouts with the condition generally last for several months.
In most cases, Sjogren’s Syndrome does little else. But in some cases, it causes fatigue and pain in the joints. At the extreme, it can damage nerves, lungs, and kidneys, but that outcome is fairly rare.
The condition is most common in white women in their 40s and 50s. But it can also affect men and younger women.
Sjogren’s Syndrome is thought to be genetic. But it can also occur in conjunction with rheumatoid arthritis, scleroderma, and lupus. Insurance companies may not be overly concerned if Sjogren’s Syndrome is a standalone condition. The existence of other health conditions, particularly lupus, can be seen as a separate health risk.
Sjogren’s Syndrome can sometimes be caused by certain medications. But if you aren’t taking any, or if the ones that you are taking don’t produce dry eyes and mouth, the condition may be diagnosed by a series of tests. Your doctor will check for antibodies in your blood, and measure the flow of tears in your eyes and saliva in your mouth.
There’s no actual cure for the condition. Your doctor will focus mainly on treating the symptoms. Those treatments can include artificial teardrops to moisten your eyes, and mouth lubricants or saliva substitutes for your mouth and throat. Estrogen creams can be prescribed for vaginal dryness. Certain steroid medicines will be prescribed for joint pain.
How Sjogrens Syndrome Affects Life Insurance
Exactly how insurance companies view your situation will depend on both the severity and the cause. Once again, Sjogren’s Syndrome itself isn’t the primary cause of concern, but rather the existence of a more severe health condition at the same time.
The insurance company will want to know the following:
- The date of the onset of the condition
- Specific symptoms that you are experiencing
- Therapies that you are participating in
- The response of the condition to those therapies
- Ongoing medications being taken to control the condition
- Any underlying conditions that may be causing or contributing factors
Naturally, they will want to know that you are complying with prescribed therapies, and that you are seeing your doctor on a regular basis.
Only rarely will Sjogren’s Syndrome result in your insurance application being rejected. However, it might affect the premium level that you will pay.
Premiums are generally based on three classifications, preferred, standard and table ratings. Preferred status is highly unlikely if you have Sjogren’s Syndrome, though a standard classification is possible. There’s an excellent chance you’ll get a table rating based on your condition. The less advanced the condition is, the lower your premium will be.
Also, the general state of your health apart from Sjogrens Syndrome plays a major role. The better your overall health, the higher the rating that you will receive, and the lower the premium will be.
The insurance company will be looking for the existence of other health risks, including obesity, hypertension, diabetes, smoking, and alcohol consumption. Other risk factors can include your driving history, your occupation and any potentially dangerous hobbies that you participate in (for example, skydiving or deep-sea diving).
Applying For Life Insurance with Sjogrens Syndrome
Though many would consider Sjogrens Syndrome to be a relatively mild health condition, it’s always important to be completely truthful on a life insurance application. The insurance company will verify all of your information through third-party sources. If you omit disclosure about Sjogrens Syndrome the company may take a dim view of your application.
Be sure that you are fully complying with any prescribed treatment regimens for your condition. That means taking prescribed medications, and having follow-up visits with your doctor on a regular basis.
As well, do your best to make sure that your overall health condition is good or excellent. Maintain proper body weight, get regular exercise, and avoid excess alcohol consumption. The better the state of your overall health is, the more favorable premium rating you will receive.
Why Working with an Independent Insurance Broker can Help
The major issue is the premium you’ll pay. Application approval is less of a concern.
You’ll see many very attractive premium rates both on the web and in print. Those are preferred rates for young people in excellent health. Life insurers post their best rates to generate consumer interest. But just because a provider has very low rates doesn’t mean that you will qualify. In most cases, even a minor health condition will result in a much higher premium.
As is the case anytime you have a health condition – regardless of how mild it seems – it’s always important to work with an insurance specialist. That’s an independent insurance broker, who specializes in higher-risk policies.
There are scores of health insurance companies available. Each one takes a somewhat different view of every health condition. Matching the health condition with the most accommodating insurance company is the secret to getting an affordable policy. Only an insurance professional, one whose independent and not tied to a single company, can help you find that policy.
Never assume that the insurance company advertising the lowest premium rates will be the lowest on policies for health conditions. Some companies only want the very healthiest customers. But there are many more that specialize in virtually every health condition that exists.
That’s our specialty, and that’s what we want to help you with. We know who the best insurance companies are for people with Sjogren’s Syndrome, and virtually every other health condition. This is what we do every day, with everyone who needs life insurance.
Put our experience and knowledge to work for you. Give us a call, or complete the summary application on the left. We’ll be in touch.