- How allergies affect life insurance eligibility
- March 31, 2015
As the weather changes from winter cold to the warm signs of spring, many complain of spring fever: wanting to be outside and not being able to concentrate on daily tasks.
But there is another type of spring fever.
Allergies return and the spring cold virus takes precedence; how does this affect applying for a life insurance policy? Some complain that every fall and spring they are attacked by a cold or sinus infection. Some ask the never ending question whether it is an allergy or cold.
Both a cold and allergy have exactly the same symptoms – with the exception that a cold usually accompanies a fever – and only lasts for a few days. Allergies can last for several weeks and generally begin in the month of April. Antibiotics will not help a common cold or affect any kind of virus. But, they will help if a bacterial infection is diagnosed. If your temperature is high and your symptoms become worse, you should contact your doctor.
How do allergies affect life insurance eligibility?
It depends on the severity of the allergy. An allergic reaction that causes mild sneezing, seasonal allergies that will go away, sensitive eyes and a runny nose will not be a problem.
Someone with “seasonal allergies” who may have an inhaler prescribed would likely be underwritten as someone who has mild asthma. This can often still result in the best rate class possible.
However, if an allergic reaction is so severe that, for example, a bee sting or eating peanut butter results in emergency room treatment and hospitalization, life insurance companies may look into the situation. Then, medical directors review the case before a decision is made.
Once a severe allergy is determined, most will do whatever possible to prevent exposure. Most life insurance underwriters realize that the chances of dying in a car accident is greater.
Remember that life insurance rates are based on family health history, health history, age gender, occupation and can vary depending on the company. It is a good idea to get more than one quote from several companies.
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