Graves Disease Insurance Questions & Answers

How do life insurance underwriters view a person diagnosed with graves disease?

Life insurance for people with graves disease can be viewed by some insurers as being more risky in issuing a policy.

If the disease is not well managed medically it can have a more harmful effect in how a person is able to perform their daily activities. Alternatively, when the disease is being well managed through medication the afflicted person will be able to find the approval process easier and may qualify for a better rated policy with a lower premium.

Although the disease is not considered life threatening, it can result in a relatively serious impairment because it is a disease of the autoimmune system. Underwriters will use a variety of different criteria in how they rate a person.

Some individuals who have more serious complications may be declined altogether.

The factors that are mainly considered in assessing insurability when seeking life insurance for people with graves disease may include:

• When the person was first diagnosed and length of time afflicted
• Establishing if the person experienced any symptoms over the preceding 6 months or more
• The type of medications used to treat the disease
• Results of any visits to their endocrinologist
• Results of any lab tests in the past six months or more
• Any other health conditions

What are the health risks of graves disease?

Graves disease is a disease of the autoimmune system which causes the person’s own immune system to produce an excess of thyroxin or T4 which occurs in the thyroid gland. Thyroxin aids in the regulation of bodily growth and also controls the body’s metabolism.

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The disease may also be considered as a form of hyperthyroidism that specifically influences the metabolic system and can affect the outward physical appearance of the person afflicted.

The health affects are manifested in a variety of symptoms such as anxiety, irritability, and chronic fatigue, an irregular or accelerated heart rhythm, weight loss and in finger and hand tremors.

Other symptoms can include an enlarged thyroid gland which is also known as goiter. Other physical manifestations can occur such as bulging or protruding eyes which are caused by an inflammation of the muscles and tissues located in the back of the eyes.

The condition is not generally fatal but can affect how well a person copes in their daily activities.

Finding life Insurance with graves disease

Finding life insurance for people with graves disease will vary depending on the extent of the disease how the person is rated by different life insurance companies.

Rating systems and the criteria used by different insurers can be very different form each other because not all insurers are the same. Some insurers might give a better rating and lower premium then another company, while some others might decline the application altogether.

Those who have a milder form of graves disease will find it easier to get a policy, but those who have a more severe form of the disease are likely to find being approved more of a challenge.