Gout impacts over 3 Million adults across the United States. Gout can cause pain and discomfort on one occasion (called a “flare up”) or on a regular basis which is called chronic gouty arthritis.
Life insurance carriers will want to find out more about your gout diagnosis and treatment, as well as your overall medical history.
If your gout is caused by another chronic health condition or your gout is very severe, then the life insurer may consider you a higher risk applicant.
However, living with gout will not automatically exclude you from securing a cheap life insurance plan.
It’s in your best interest to work with a qualified high risk agent that understands how to find the right insurance company and the right policy for your particular situation.
To get you started down the right path, read on for ideas on what you might expect when applying for over 50 life insurance with gout.
What to Expect When Applying for Life Insurance with Gout
Applying for a traditional term or whole life insurance policy means having to disclose all kinds of personal information such as health history and lifestyle choices (i.e. occupation, hobbies, alcohol and tobacco use).
As you can see, your gout diagnosis is only part of the equation when it comes to a life insurance rating.
Obviously it’s hard to know for sure what will happen but we can certainly give you a general idea based on past applicants over 50 with gout.
Best Outcome: If you experience acute flare-ups from gout then the insurance carrier will look to see if your gout is being well-managed by exercise, diet, and medication like colchicine or allopurinol.
If your gout is under good control then you should anticipate a “Standard” Rating.
Average Outcome: If you experience frequent inflammatory flare-ups then this indicates uncontrolled gout.
You should probably expect a “Sub-Standard” (aka Table Rating).
Each level of a Table Rating represents a 25% premium increase above the Standard Rate.
Remember, it is rare for a life insurer to deny coverage strictly because of gout.
There usually must be several other high risk factors involved to result in a flat decline.
A decline may be disappointing but shouldn’t worry you too much!
Applying for Life Insurance Over 50 with Gout
You may be wondering what types of application questions the life insurance company uses to help make their final decision.
We put together a list of the most common questions regarding a gout diagnosis. Your agent and the carrier will go over these questions with you during the application process.
We can’t stress enough how important it is to always tell the truth and the whole truth. Leaving out details here and there will not keep the life insurer from getting to the bottom of things.
You must keep in mind, the insurance company is going to do a very thorough investigation. If you’re upfront and honest then there’s nothing to worry about.
Basic Application Questions
Let’s start with the easiest questions you’ll have to cover. Below are a few of the standard application questions everyone answers when applying for life insurance.
No tips necessary for these questions. You already know what to say!
- What is your age?
- What is your current height and weight?
- What is your occupation?
- Do you have any risky hobbies or activities (i.e. skydiving or rock climbing)?
- Are you married or single?
- Do you use tobacco?
Tobacco users should plan to pay at the very least DOUBLE the premium of a non-smoking peer.
Gout Application Questions
To get you completely prepared for the life insurance application, we put together a few of the most common gout questions. Let’s take a look!
- How many years since you were first diagnosed with Gout?
Living with gout for a long period of time can sometimes result in long-term adverse effects from the prescribed medications. Like many conditions, the longer you’ve suffered from gout then the high probability of complications.
In fact, some individuals experience life-threatening infections stemming from their gout. This is obviously a concern for the insurance company.
- Do you take medications for your gout? What types of medications? How long have you taken these prescriptions?
As we mentioned earlier, the longer you’ve been taking a prescription gout medication then the higher your chance of having other health complications.
For example, you may develop hormonal problems or gastric ulcers because of long-term steroid use.
- When did you last visit with your rheumatologist?
First, the life insurer will want to receive copies of medical records from your rheumatologist. They will take into consideration the doctor’s evaluation.
Regularly visiting your doctor as scheduled is a big plus! This shows your commitment to managing your gout.
Life insurance companies love to see that because it means you are less of a risk.
- In the last 12 months, did you have any laboratory testing completed?
The insurance carrier will be curious to review your most recent lab tests.
They will be looking specifically at your Erythrocyte Sedimentation Rate (ESR) or, as it is more commonly known, the “Sed Rate”. As you might know, the ESR shows the amount of inflammation occurring in your body.
The insurance company will also check your blood uric acid results.
- Have you had any continuous gout symptoms within the last six months?
This is important! Symptoms of swollen tissues and joints, pain, loss of function in an affected area are all signs of a flare-up.
If you are in the middle of a gout flare-up, the insurance carrier may consider giving you a “Sub-Standard” (aka Table Rating).
- Has your gout ever impacted your ability to do ADLs (activities of daily living)?
This question is pretty basic. The life insurer wants to know if your gout has impeded your ability to bathe, eat, and/or use the toilet.
As a follow up, the insurance carrier may inquire as to whether your doctor prescribed a rehabilitation program to deal with the ADL challenges your gout causes.
Additional Gout Questions
We don’t want to miss anything so here are a few more questions you may be asked about your gout diagnosis:
- Which part of your body is most impacted by gout?
- How many gout flare-ups do you typically have each year?
- Have you ever developed an infection related to your gout?
- Have you ever been hospitalized as a result of your gout?
You May Need To Do a Medical Exam
Besides the many questions you’ll answer and documents you’ll provide, unless you are applying for no exam life insurance you will be required to complete a medical exam too.
The life insurance company will coordinate a qualified medical specialist (usually a nurse) to carry out the exam.
You will provide urine and blood samples. The nurse will also assess your vital signs such as height, weight, blood pressure, and pulse.
The insurance company will include all the results from this medical exam in their review of your application.
Gout and Other Conditions
For some people, gout is a temporary sickness resulting from a diet too high in purine or the use of medications like diuretics (aka water pills).
After receiving the proper treatment and avoiding the cause of their gout, these individuals may be able to avoid ever going through such terrible pain again.
You can bet the insurance company is going to consider the probability of your gout being a one-time deal or an ongoing condition.
Triggers for gout are important factors in a life insurance rating. So the life insurer will pay close attention to the following:
- Being overweight
- Excess alcohol consumption
- Continuing to take certain medications like aspirin and water pills
- A diet high in fructose (sugar)
- A diet high in red meat, trout, tuna, anchovies, sardines, and other purine-rich foods.
- Hypertension (high blood pressure)
- Insulin resistance
- Congestive heart failure
- Metabolic syndrome
- Kidney disease
Now that you know all the facts about buying life insurance over 50 with gout, it’s time for the next step.
You are finally ready to buy the peace of mind you and your family need.
Let’s get you insured today!
Time to Get Insured
Gout is called the “disease of kings” and yet it is affecting the general public now more than ever before. Millions of American adults experience the warm, throbbing joint pain associated with gout and gouty arthritis.
The number of Americans experiencing chronic ailments such as obesity, diabetes, and high blood pressure is increasing as well.
So insurance companies will certainly be curious about your gout diagnosis, as well as any other important medical conditions. They all go hand-in-hand and can make you a slightly higher insurance risk.
The good news is that gout itself will not keep you from securing an affordable life insurance plan.
Your insurance agent is the best resource for finding a high quality life insurance plan at a reasonable price. Experienced agents understand which life insurers will look most favorably upon your application.
Over50LifeInsure can provide assistance and a free instant quote. Our expert life insurance agents want to help you get the best insurance for you and your family. Please take a minute or two to fill out our online form for a free instant quote, or give us a call today. Your family will thank you!