Wallace Group - Insurance Blog

Life Insurance for People with Hashimoto's Disease

Hypothyroidism is a consequence of having a disease called Hashimoto's Disease (also known as Hashimoto’s thyroiditis.) Unfortunately, this is an incurable, progressive condition that leads to problems with the immune system, beginning with the swelling of the thyroid and then the failure of the thyroid to produce the hormones required for the normal functioning of mind and body. This leads to many other afflictions that can affect life quality and a person’s ability to work including weight gain, depression, hair loss, reproductive issues, muscle pain, fatigue, chills and a pale complexion. It can be difficult to get affordable life insurance for Hashimoto’s even though the disease is currently treated by hormone replacement therapy. This is because hormone replacement therapy is also associated with increased risks of breast cancer, stroke, and heart attack. It is very important that you work with an expert in life insurance and Hashimoto’s Disease when searching for a life insurance policy. If you are ready to move forward now, click on the quote link below and get started buying life insurance today.

The issue of hypothyroidism and life insurance is complex because the symptoms of both the disease and the side effects of the treatment can lead to a sudden early death. The key is to find a company that is willing to work with your particular situation and offer you an affordable rate. There are several factors that might affect your approval for life insurance with autoimmune disease.

You will be asked if you had an early diagnosis and if lifestyle and hormone supplementation was prescribed right away. If the disease was caught and treated before symptoms such as throat swelling, obesity or weight gain affected the quality of life, you are more likely to be accepted and charged a lower fee.

You will be asked if you are in the regular care of an endocrinologist. If the insurance agent sees that you are in control of your disease and living a relatively normal and productive life, you stand a better chance of getting the least expensive standard rating for insurance.

You may be asked to provide proof of TSH and T3 levels from your endocrinologist. This will help to determine the condition of your thyroid and help set the rate at which your application for insurance will be approved.

You may be asked questions about your lifestyle and diet. The way you live can affect the condition of your thyroid and thus your ability to buy life insurance.

Very few candidates for life insurance are denied completely, but you should be prepared to pay higher insurance premiums if you have Hashimoto’s disease or any other type of autoimmune disease.

Hashimoto’s disease can compromise your ability to make a living or function optimally in society, which in turn can affect your ability to buy life insurance. However, at The Wallace Group, we are experts in assisting people with preexisting health conditions of all types including Hashimoto’s disease. Now that you know more about how to buy life insurance if you have Hashimoto’s disease, click the quote link below and let’s get started now.

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