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How to Buy Life Insurance When You Have Cushing's Syndrome

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.

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Can Drug Users Get Life Insurance?

Drug use in Canada is prevalent to non-existent depending on what you define as a "drug." Eleven per cent of the Canadian population "has a problem with drugs or alcohol" according to a CBC survey, but this does not include people who use drugs recreationally without "a problem." That number, especially when you include alcohol and cannabis, is much, much higher, and if you include only people with classically-defined addictions to the illicit drugs, such as crack cocaine and heroin, the number is much, much lower.

In general, the way insurance companies approach drug issues is based on two major questions: is the potential client using prescription drugs provided through the proper channels, or are they using drugs outside those channels, and therefore statistically vulnerable to certain liabilities.

For the former, these questions are often discovered in the background checks and medical questionnaires provided by insurance companies prior to developing or offering a policy. Naturally, some drugs have effects on a person's life expectancy and prospective quality of life, and others come with certain health risks, even when provided by a healthcare practitioner. In these, instances, an insurance company will take into account the medical issues being treated by the drugs and the effects of the drugs themselves in developing a policy, but a policy can usually be provided by most major health insurance providers.

For those who use illicit drugs, the options are generally more difficult. Usually, insurance companies are hesitant to provide policies, many are even wary of providing low-cost options for people who smoke cigarettes.

Luckily, there are some options still available for drug users, especially those who use illicit drugs. Remember, many policies will not cover complications that occur because of illicit drug use, and not disclosing such information when asked can constitute insurance fraud, which can be a severe crime that includes heavy fines and possible jail time.

In general, illicit drug users have only one option when it comes to life insurance opportunities: simplified life insurance policies that do not require medical questionnaires. This is changing as more and more insurance providers offer products specifically designed for the "hard-to-insure" market. Simplified insurance plans often require only simple medical questions that do not include questions about drug use.

No medical life insurance policies vary widely from carrier to carrier, so it is beneficial to research these plans before contacting them to compare potential rates and coverage. You can also ask your insurance broker to make an informal preliminary inquiry before you submit a formal application. Informal preliminary inquiries are non-binding and can give you an idea of whether your application would be approved as standard, declined or rated. Bear in mind that insurance providers may offer plans with coverage on day one or with a two year waiting period depending on your situation.

If you have used or are using illicit drugs and require life insurance, it is important to discuss your options with an insurance broker who has your best interests in mind. With the right team behind you, the right policy can be found.