We understand how important having life insurance is and we know it can be frustrating looking for a life insurance policy with a history of Cerebral Palsy. The good news is that we are here to help! With an independent life insurance agency, like us, by your side, you are capable of anything. We specialize in high-risk clients like yourself so we know the ins and outs of getting you coverage having Cerebral Palsy. Finding you the best life insurance company is not impossible at all and you deserve to protect your family’s financials just as much as the next person. In this article, we will be discussing what cerebral palsy is, how you can get life insurance having cerebral palsy, and what your options are for life insurance. The following are some key points from this article;
- If you don’t already know, cerebral palsy is an impairment to your musculoskeletal structure due to an underdeveloped region in the brain.
- If you can function without any assistance then you can go ahead and apply for a fully underwritten policy. You should expect to get a Standard health rating which would be in the best possible scenario. You should expect to be asked to display a history of great mental capacity, excellent physical ability, and a history of all the treatments or rehabilitation you have undergone.
- Life insurance is not impossible but it will depend on your activities of daily living, mental impairments, physical development impairments, and seizures.
- Whether you got declined or not you should consider buying a guaranteed issue policy. A guaranteed issue policy just like its name implies, you’re guaranteed to get life insurance. You don’t need to undergo a medical exam which means you will be getting your policy quicker than a traditional permanent life insurance policy. A guaranteed issue policy is only available for those who are between the ages of 45 and 85.
- Another two options that you have for life insurance are choosing to buy a final expense policy or a burial life insurance.
- Every life insurance company have their own niche or specialty, and as a high-risk client, you need to make sure that you work with a company who understands your medical condition.
- That is why you should work with us! Our services are 100% FREE and FREE of obligation! That’s right FREE, it sounds so nice, but it’s super true. We will do all the shopping around on your behalf until we find you the best life insurance company.
What is Cerebral Palsy?
If you don’t already know, cerebral palsy is an impairment to your musculoskeletal structure due to an underdeveloped region in the brain. Through infancy or preschool years is where signs and symptoms appear. Cerebral palsy is not a genetic disorder and it can happen due to; Jaundice, infection, a trauma of birth, lack of oxygen during birth, head injury, low birth weight, or newborn seizures.
Life insurance with Cerebral Palsy
Getting life insurance with any medical condition can be a little trickier than without but that’s because life insurance companies look at the life expectancy of someone who has a medical condition. The good news is that if you have been taking proper care of yourself your life expectancy can be the same as anyone else. Unfortunately, there is still an increased risk for things called associated impairments, which would be any condition which arises because of the Cerebral Palsy.
Life insurance is not impossible but it will depend on your activities of daily living, mental impairments, physical development impairments, and seizures.
- What we mean by activities of daily living we mean the ability to eat on your own, being able to undress and dress without any assistance, and if you can use the bathroom without any help. Even if you find yourself having trouble with these tasks you will still be able to purchase life insurance coverage.
- Mental impairments are more of a risk than physical because with physical impairments some can be overcome while intellectual improvements are more difficult to overcome.
- If you have cerebral palsy but deal with minor physical impairments but are still capable of activity by using a brace or crutch, you can still get life insurance but if you use a wheelchair it may be the opposite.
- Whether you have cerebral palsy or not you may not be eligible for life insurance if you suffer from seizures but if the frequency is very low and the last date of occurrence is distant then you may still have an opportunity to purchase life insurance.
Life Insurance Options for Cerebral Palsy
Like we mentioned earlier, it is still possible for you to get life insurance but just keep in mind that your options are limited. If you can function without any assistance then you can go ahead and apply for a fully underwritten policy. You should expect to get a Standard health rating which would be in the best possible scenario. You should expect to be asked to display a history of great mental capacity, excellent physical ability, and a history of all the treatments or rehabilitation you have undergone. Also, keep in mind that these rates will be different with age whether younger or older.
If you have already applied for life insurance and have gotten declined you may have a bit harder time getting approved for life insurance with another company. Don’t worry you still have options for life insurance coverage. Whether you got declined or not you should consider buying a guaranteed issue policy. A guaranteed issue policy just like its name implies, you’re guaranteed to get life insurance.
You don’t need to undergo a medical exam which means you will be getting your policy quicker than a traditional permanent life insurance policy. A guaranteed issue policy is only available for those who are between the ages of 45 and 85. This kind of policy offers a maximum face amount of $25,000 and if you find this amount being too low then you can consider having more than one guaranteed issue policy by stacking guaranteed issue policies on top of each other.
Another two options that you have for life insurance are choosing to buy a final expense policy or a burial life insurance.
Why you should work with an independent life insurance agency
It is important for you, a high-risk client, or your family member who has cerebral palsy to work with an independent life insurance agency. It will benefit you the most because yes you can do all the research by yourself but you will not know all the niches that come with the life insurance companies. Every life insurance company have their own niche or specialty, and as a high-risk client, you need to make sure that you work with a company who understands your medical condition.
Not doing so will result in higher premiums and a bad health rating. You should be working with a company who specializes in cerebral palsy, not one who specializes in sleep apnea. They won’t understand your condition, they only understand those clients who suffer from sleep apnea and because they don’t understand your condition they will rate you up like crazy and your premiums will be out the roof expensive. We are an independent life insurance agency who work with over 60 top rated companies but have zero ties with any of them because our loyalty is reserved for our clients and our clients only.
Work with us!
Like we just mentioned above, we are an independent life insurance agency who work with over 60 top-rated companies which give us a wider selection of choices. We also specialize in high-risk clients like yourself or your family member. We know all of the 60 companies we work with niches and we are prepared to find you the best life insurance company to purchase coverage from. Yes, we just said you can have the best life insurance company too. Just because you have cerebral palsy doesn’t mean you don’t deserve to work with the best life insurance company.
The best life insurance company varies from person to person because quite frankly, everyone is different. The best life insurance company would reflect your specific needs, health, and your lifestyle. We always recommend our clients to shop around for quotes but keep in mind that with your medical condition, your quotes will look different than the ones provided by our quote engine or anyone else’s quote engine. That is why you should work with us! Our services are 100% FREE and FREE of obligation!
That’s right FREE, it sounds so nice, but it’s super true. We will do all the shopping around on your behalf until we find you the best life insurance company. Not only will we not stop until we find you the best life insurance company but we will also fill out the necessary application to get you covered. Did we forget to mention our lifetime guarantee of service? Well, if you work with us and in the future want to change your policy or have any questions down the line you are free to give us a call and we will help you every time, even if you simply want to just chat we are here for you!! Give us a call today and stop worrying about life insurance because we are here to make life insurance simple.
