Cushing’s Syndrome is a fairly uncommon medical condition˳ However, despite the fact that it only affects 3 in a million new people per year, it is a condition that most life insurance companies consider to be relevant˳
Fortunately, even if you have Cushing’s Syndrome, there are likely many life insurance policies that are well within your reach˳ Having any sort of long-term medical condition may make the insurance application process a bit more difficult, but this does not mean you do not have any reasonable options˳
Begin by meeting with a doctor
Cushing’s Syndrome is something that can often be effectively treated, though there is still a significant amount of research that needs to be done˳ Before you develop a long-term financial plan, it is important to meet with a doctor to understand the specific state of your condition˳ Getting a proper diagnosis from a licensed professional is absolutely essential˳
Cushing’s Syndrome is a condition that is characterized by numerous different signs and symptoms:
• Obesity that is restricted strictly to the abdomen
• Prolonged exposure to cortisol
• Acne and other skin conditions
• Weakness in the muscles and bones
• Swelling of the face, neck, and shoulders
• High blood pressure
As you might assume, many of these symptoms are commonly associated with other medical conditions as well˳ This is why meeting with a doctor is so fundamentally important˳ Once you understand the state of your condition, you can develop a long-term treatment plan and also develop an appropriate financial strategy˳
Not all life insurance companies are the same
Life insurance companies typically price their policies based on the statistically expected lifespan of the individuals applying for them˳ Though Cushing’s Syndrome is not considered fatal by any means, having this condition will often make you a ‘higher risk’ individual in the eyes of a life insurance provider˳
It is important to note that not all companies (or even all life policies) are the same˳ While Cushing’s Syndrome might increase the cost of a policy from one company, it might be completely ignored by another˳
When comparing different policies, there are a few things you should consider:
• What are your current life insurance needs?
• How long have you had Cushing’s Syndrome? How severe are the symptoms?
• Do you have any other relevant or related conditions?
Another important thing to recognize is that many insurance companies may allow you to retroactively reduce your monthly premiums˳ What this means is that with a successful treatment, any increase in premiums due to Cushing’s Syndrome can potentially be removed˳
Consider applying for guaranteed issue life
Another option for people with Cushing’s Syndrome-especially those who are older-is a guaranteed life insurance policy˳ With a guaranteed policy, you do not have to undergo a medical exam˳ Consequently, this means that the presence of your condition may be made entirely irrelevant˳
One drawback of guaranteed policies is that they usually only provide you with a limited amount of coverage˳ However, even keeping this in mind, these policies may be able to effectively meet your needs˳ If you are willing to do your research, compare different options, and follow your doctor’s instructions, navigating the world of life insurance as a person who has Cushing’s Syndrome may be more possible than you might think˳
Source by https://ezinearticles˳com/?How-to-Buy-Life-Insurance-When-You-Have-Cushings-Syndrome&id=9921860
