Male   Female
  • How allergies affect life insurance eligibility
  • March 31, 2015
  • How do allergies affect life insurance eligibility?By Karla Sullivan

    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.

  • Category: Articles Library, Company Profiles, Health Insurance, Homepage 4, Life Insurance, Medical News

Leave a Reply

Archives

About

Consumer Insurance Guide SM provides a wide selection of originally-authored articles and expert advice targeted to the self-directed insurance shopper. Our mission is to provide consumers with useful, money-saving information on all things having to do with making sound insurance purchase decisions.

Consumer Insurance Guide SM is owned by Life Quotes, Inc. 8205 South Cass Avenue, Darien, IL. For editorial, content feeds, advertising and lead purchase opportunities, contact Robert Bland at bob@lifequotes.com.

Originally founded in 1984 as Quotesmith Corporation, Life Quotes, Inc. owns and operates www.consumerinsuranceguide.com and www.lifequotes.com, two online consumer insurance information services that cater to the needs of self-directed personal and corporate insurance shoppers.

About Us  |   Contact Us  |   Press Releases  |   The Best Privacy Policy  |   Life Insurance  |   Careers
For Agents & Brokers  |   Site Map  |  


Copyright ©1984-2015 Life Quotes, Inc., 8205 South Cass Avenue, Suite 102, Darien, Illinois. Life Quotes, Inc. and certain of its personnel are licensed as insurance agents, brokers or producers in all states. CA agent #0A13858, LA agent #200696, MA agent #333509159. dba Life Quotes Insurance Services in CA under agent #0827712, in LA under agent #205078. dba Life Quotes Insurance Services, Inc. in UT under agent #90093. All rights reserved. Telephone (630) 515-0170. Founded 1984.
10.1.1.86