If you’re in the market for life insurance with Cushing’s Syndrome, please take a few minutes to read this article as we’ve had several cases come through our office recently and will show you what you can expect. If you have other health issues and want to know if they will keep you from getting preferred life insurance rates, we can help you better understand this process.
Obtaining life insurance with Cushing’s Syndrome can be extremely difficult and frustrating…although it doesn’t have to be.
So what is Cushing’s Syndrome? (skip this section if you’re looking only for life insurance information)
According to WebMd, Cushing’s Syndrome is a condition caused by excessive amounts of the hormone cortisol in the blood. Cortisol is produced by the adrenal glands.
A diagnosis of Cushing’s Syndrome can be caused by long time use of medication resembling cortisol (corticosteroids). It can be a tumor on the pituitary gland in the brain or tumors of the adrenal gland. It can also be caused by some types of cancer that produce ACTH.
According to MedScape, identifiable signs and symptoms are: weight gain in the face and upper body, thin skin with purple stretch marks, weak bones that easily fracture, fatigue, depression, hypertension, diabetes, excessive hair growth in women, menstrual irregularities, and infertility.
What We Need To Know
In order to provide an accurate life insurance quote, we’ll need to collect the following about you Cushing’s Syndrome:
• When were you first diagnosed?
• What kind of evaluation was done? (MRI, CT, Urine Test, Blood Test)
• Are you on any medications? ie. Ketoconazole (Nizoral), Mitotane (Lysodren), Metropone (Metropirone), Dexamethasone
• Have you ever been hospitalized for Cushing’s Syndrome?
• Have you ever been prescribed steroids?
• Do you have any other medical issues?
Without the information above, we can’t provide our services to their fullest extent. In other words, the more information you can provide, the more accurate your rates will be. Remember, we’re on your side so please be open and honest with details regarding your diagnosis, treatment and symptoms.
What To Expect
If you have Cushing’s Syndrome due to administration of steroid medication from another illness, then your risk will be evaluated by that illness and not by your Cushing’s Syndrome.
If your Cushing’s Syndrome has already been resolved from benign pituitary disease, being treated with surgery or radiation and had a complete recovery, then you can expect the following:
Within 1 year of recovery: Postpone
Second year of recovery: Table 4
Third year of recovery: Table 3
Fourth year of recovery: Table 1
Fifth year of recovery: Standard rates are available
If your Cushing’s Syndrome was resolved from other reasons than described above, it will be an individual consideration from all companies.
If you have or have had Cushing’s Syndrome in the past, our advice is to work with a life insurance agency experienced with this risk. It will take an experienced agent to know which companies look at Cushing’s Syndrome most favorably and that’s the key to securing the best life insurance rates available.