Last Updated: May 2020
Everyone needs adequate life Insurance. As any back pain sufferer knows, good life insurance at a reasonable price can be very hard to find. Life insurance with chronic back pain depends on several factors which we’ll discuss below.
Typically we’ll be able to get you “Standard” or “Regular” rates.
We will explain what to expect and how we achieve the best life insurance rates for our clients in the rest of this brief article.
Life Insurance is Boring. Let’s Get To The Root Of It! Here are the key takeaways…
Your ability to obtain life insurance with severe or chronic back pain will often be determined based on the medications currently needed to control the pain in addition to your overall lifestyle. Often, a disability that has resulted from back pain will disqualify you for coverage.
Life Insurance With Back Pain
Pain of any kind can vary in its severity. If it is just a headache, it can be easily dealt with. Chronic Back pain, however, can be severely debilitating and life restricting.
The pain and misery of back pain have no gender or age restrictions, so it makes no difference whether you are young or old, male or female.
Finding affordable life insurance dealing with chronic back pain can feel just as daunting.
If you have been born with genetic back problems such as Ankylosing Spondylitis or any problems dealing with alignment of the spine, or, suffer from Scoliosis or Osteoporosis, you will understand how debilitating and life restricting, this pain can be.
There can obviously also be other causes of Chronic Back Pain, such as a car accident or even an accident at work, that causes injury to the back and spine.
Any of these factors can cause damage to the delicate nerve endings in the spinal area and result in the Chronic Back Pain sufferers understand only too well.
Life Insurance is a must for every individual and even Chronic Back Pain sufferers need to have accessibility to reasonably priced insurance coverage that will cover all of their ailments and ultimately provide for their families if required.
Why Medication For Chronic Back Pain Impact Life Insurance Rates
Chronic Back Pain can also be a cause of depression amongst sufferers and the drugs and medications that are often prescribed to ease the pain, can sometimes be addictive.
This in itself can cause problems when searching for life insurance, as it can add to the premiums paid.
Also, for some people, the pain can be so bad that they inadvertently overdose, therefore the insurance underwriters must be made aware of all medications taken whether prescribed by a doctor or not.
These factors must all be taken into consideration by the insurance underwriters when providing a life insurance quote as, if they are not aware of all of the facts, they will be unable to accurately provide a quote that truly reflects the individual’s needs.
Due to this, it becomes imperative to only work with independent life insurance agencies that are experts and understand how to find the best companies for individuals currently dealing with back pain.
Independent Life Insurance Agencies Are The Best Option With Back Pain
So, you want life insurance that covers all of your needs, takes into account your Chronic Back Pain and is of course affordable?
You need to know that you have covered all eventualities and provided for your loved ones, so adequate Life Insurance cover is an absolute must.
In order to get the best life insurance available, the best way to do this is to contact an independent life insurance company, such as ourselves.
Independent life insurance agencies understand how to navigate the high-risk life insurance market and have a large basket of life insurance companies to choose from.
Using this option to purchase life insurance, essentially allows you to shop with all companies at the same time until you are either approved for coverage or find the affordable monthly premiums that you have been searching for.
Take us for example.
We know and understand about all back problems and can save you valuable time and money by searching out not only the best insurance options, tailored to your precise needs, but also by getting you the best prices available.
So, how exactly do we do it?
How Do Life Insurance Companies Provide A Quote For Individuals With Back Pain?
To enable an independent life insurance agent to give you the best possible quote tailored to your own personal needs they must ask certain detailed questions, these questions are designed to find out about your specific Back Pain problems and causes and also to find out about what level of life insurance coverage you require.
The information required in order to specifically tailor a quote may vary but usually include such questions as:
- What is the cause of the back pain?
- When did the back pain start?
- Does the back pain stop or restrict your life in any way?
- What drugs or medications are you currently taking?
- Have these drugs/medications been prescribed by your Doctor?
- Details of the pain: is it constant pain? Is it intermittent pain? How long does the pain last for?
- How long have you suffered from back pain?
Make sure that when you answer these questions, you do so honestly and truthfully as the key to getting the best possible level of coverage at the most competitive price, is to be upfront with everything.
There is no point in lying or trying to hide any important facts, as the quote was given will not be accurate or suitable for your needs.
It is very important to give as much detail as you can in order for us to build a true picture of your lifestyle and insurance needs. Only by having all of the facts are we able to fully gauge the correct level of coverage required.
If you do not give all of the details and facts, or try to hide them in any way the quote provided may not then give the most adequate level of coverage and may not pay out when you most need it to.
Disorders causing Chronic Back Pain are very common and most insurance companies will look at your circumstances and then offer a standard “one size fits all” type of life insurance coverage, they do not usually tailor life insurance specifically to a person’s needs.
The problem with this is that every person has different back problems and different life insurance requirements and also the rates for these types of coverage can vary massively, with high insurance premiums not necessarily offering the most suitable level of coverage required.
Getting Affordable Life Insurance Coverage with Chronic Back Pain
Depending on the cause of your back pain, you could be facing some higher charges for your coverage. If it’s a minor issue, you can still get preferred rates. If it’s a severe condition, you’re going to get high-risk premiums.
Applicants who pose a greater risk to the insurance company are going to pay more for life insurance.
The insurance company wants to identify how much risk you are for the coverage you desire. If you want cheaper rates, you have to be less of a risk. How can you do that? We’re glad you asked!
To get started, you should get in the best shape possible.
Cue the Rocky theme song.
You won’t need to drink raw eggs or run up any steps (although, it’s a great way to work up a sweat), but you should improve your health.
Maybe cut out some of the fried foods.
Skip the extra dessert. Go with a salad instead of fries. Little choices can make a difference when it comes to your health.
This is where we differ and our aim is ultimately to find you the best life insurance coverage that not only offers you the highest level of coverage but also gives you the most favorable and affordable rates available.
If you’ve ever worked with a traditional agent, you know how the process goes.
You call, answer questions, and then get a quote. They will try and sell you the most expensive plan and additional coverage. With us, you answer the few questions, and then you get 60 quotes without the pushy salesperson. It’s a win all-around.
Do you have any questions about getting life insurance as an applicant with chronic back pain? Give a call today!
obviously I’ve been looking at your website and feel that maybe you could help me. I was a helicopter pilot in Vietnam and was shot down three times. I have chronic back pain which has been treated successfully with small doses of morphine and oxycodone. My physical health is that of a 40-year-old with my last full physical being February 2016. Everything from brain to heart, kidneys,lungs and liver etc. are normal for a 40-year-old. The only reason I’m looking for insurance to supplement my current $100,000 policy is because I have a $300,000 mortgage on my farm that I work on like a regular farmhand. That’s not bad for someone who is 73 years old. If you think you can find a $200,000 term policy at a reasonable rate for me I would be in your debt. Thanks for your time Ronald L Darr
Ronald, we have some options and just reached out to you.