Sarcoidosis Life Insurance
Securing Life Insurance with Sarcoidosis
If you’ve been diagnosed with sarcoidosis, you might be wondering how this will affect your ability to secure life insurance. You may be facing uncertainty about your options and the likelihood of getting cover at an affordable price. At Your Life Protected, we understand the challenges you might face and are dedicated to providing tailored solutions for individuals with a wide range of pre-existing conditions, including sarcoidosis. We can help to guide you through the process and will take away the stress and confusion.
Understanding Sarcoidosis
Sarcoidosis can affect people in many different ways, as the symptoms, and severity, of the condition can vary. Some possible examples of the effects of Sarcoidosis include:
- Lung involvement: This is a common area to be affected by sarcoidosis, which can lead to symptoms such as persistent coughing, shortness of breath, and pain in the chest area. This can make daily tasks difficult and can often become more severe as the condition progresses.
- Skin involvement: This may lead to a rash, or lumps under the skin, which can be disfiguring, and cause psychological distress for the client.
- Eye involvement: Sarcoidosis can affect the eyes, which can sometimes lead to blurred vision, dry or sore eyes, and in rare cases can lead to vision loss.
- Heart involvement: Should the heart be affected by sarcoidosis, the symptoms may include chest pain, an irregular heart beat, and shortness of breath. This can be an indication of a more serious condition.
- Nervous System Involvement: Should the nervous system become involved, the client may experience a variety of issues, such as seizures, and cognitive or nerve damage.
- Fatigue and General Discomfort: Fatigue, pain, discomfort and fever are all symptoms that can have a significant impact on the daily life and overall wellbeing of someone with sarcoidosis.
Treatment Options for Sarcoidosis
There is no known cure for Sarcoidosis, but there are several treatments that can help manage the symptoms and help to prevent the condition from progressing. Common treatments include:
- Corticosteroids (such as Prednisolone): These are often used to control the condition and reduce the inflammation that comes as a result of it.
- Immunosuppressants: These medications help to reduce the activity of the immune system and prevent further inflammation.
- Pain relief medication: As many patients with sarcoidosis can experience pain, pain relief medication is often prescribed.
- Other treatments Depending on the specific areas of the body affected, specific treatments may be required, for example inhalers for lung involvement, eye drops for eye inflammation, or physiotherapy for joint pain and mobility.
Understanding The Challenges of Life Insurance with Sarcoidosis
Because Sarcoidosis can affect multiple organs and systems within the body it can present challenges when applying for life insurance. Providers will often increase premiums with a Sarcoidosis diagnosis, the price you end up paying will depend on a factors such as; severity of the condition, date of last symptoms, along with current treatment or medication.
How Your Life Protected Can Help Simplify the Process
We are dedicated to finding the right insurance solutions for those with pre-existing health conditions, including Sarcoidosis. Our goal is to remove the stress, confusion and frustration that clients often face. We offer you:
- Experience-Led Expertise: Our team has considerable experience in helping those with a range of medical conditions, including Sarcoidosis, to obtain life insurance at a fair and reasonable premium.
- Wide Range of Insurers: We work with a range of mainstream and specialist insurers, giving us access to a wide range of suitable policies.
- Personalised Support: We treat every client as an individual and always consider your own unique medical history and specific needs.
- No Pressure Environment: Our no-obligation quotes give you the space to explore your options, without needing to commit to a specific policy until you are happy to proceed.
- Straightforward Applications: We make the application process as smooth as possible, dealing with the complex and confusing elements on your behalf.
What Information will insurers want to know?
When you are applying for life insurance with Sarcoidosis, it’s likely that insurers will ask about:
- Date of Diagnosis: When were you first diagnosed with Sarcoidosis?
- Organs Affected: Which (if any) organs or systems are affected by the condition?
- Severity of Condition: How severe are your current symptoms?
- Treatment: What is your treatment plan?
- Medication: What medication are you taking to manage the condition?
- Frequency of Relapses: If your condition has flare ups, how frequently do you experience these?
Please ensure you are open and honest with all information, so we can get the best possible outcome for your application.
Ready to Get the Right Cover?
Don’t let concerns about sarcoidosis prevent you from securing the life insurance cover you need. Reach out to Your Life Protected today for clear advice, expert guidance, and a free, no-obligation quote. We are here to help.