If you’ve had a spell of Bell’s Palsy in the past, even a short time ago, there’s a great chance we can get you covered with little to no worry. As long as it has passed, obtaining life insurance with Bell’s Palsy is not complicated. There is also COPD life insurance if this is something you are in need of.
When you work with TheLifeInsuranceBlog.com, we help you in more ways than one. We not only can help you secure the best rates in the industry, but we can help find you the most affordable policy from the nation’s top insurance companies.
Buying life insurance with Bell’s Palsy is no exception.
Continue reading below to find out more about Bell’s Palsy, its affect on life insurance, and actionable steps you can take to ensure you get the best possible outcome when you apply for a life insurance policy. So whether you’re in search of a small amount of coverage or you need the best million dollar life insurance policy available; we can help.
Life Insurance With Bell’s Palsy
If you’re looking for life insurance with Bell’s Palsy, you might think it could be seen as a high risk life insurance policy or impaired risk life insurance. The truth is, it’s quite the opposite. When buying life insurance with Bell’s Palsy, most companies only want the dates of concern and some kind of proof there was no underlying health cause, like stroke.
Let’s take a look at exactly what Bell’s Palsy is, its symptoms, and what may or may not concern a life insurance underwriter. According to MedlinePlus:
Bell’s palsy is the most common cause of facial paralysis. It usually affects just one side of the face. Symptoms appear suddenly and are at their worst about 48 hours after they start. They can range from mild to severe and include
- Drooping eyelid or corner of mouth
- Dry eye or mouth
- Excessive tearing in the eye
- Impaired ability to taste
Scientists think that a viral infection makes the facial nerve swell or become inflamed. You are most likely to get Bell’s palsy if you are pregnant, diabetic or sick with a cold or flu.
Three out of four patients improve without treatment. With or without treatment, most people begin to get better within 2 weeks and recover completely within 3 to 6 months.
Because 75% of the cases of Bell’s Palsy don’t even require treatment, it’s not a huge concern. While irritating they may be, the symptoms are not dangerous or long-term, for the most part. The paralysis is the the greatest concern, of course, but as long as it’s not chronic and can be confirmed as a result from Bell’s Palsy, you’ll be in the clear to buy life insurance without being rated.
Facial paralysis can be Bell’s Palsy, but it could also be a result from things like strokes, tumors, or Myasthenia Gravis. In order to find your life insurance without any headaches, you will need sufficient documentation to prove your bout with Bell’s Palsy was definitely not something else. Even if stroke and tumors are eliminated, environmental factors could also bring about Bell’s Palsy. Here are a few:
- Head Trauma
- Metabolic Disorders
While there may be triggers, there may also be no triggers at all. This is not atypical.
If you have a well documented history of Bell’s Palsy, and you have no chronic ill affects, you can expect to get Standard or better. This, of course, depends on other factors such as your overall health, driver’s record, family history, etc. In other words, you’ll be able to obtain whatever rating you would otherwise be able to obtain. Life insurance with Bell’s Palsy is a non-issue for almost all carriers, but it will still be in your best interest to search more than one to find the best premiums.
With complications, you could expect different ratings, but it will solely depend on the root cause or health condition which caused the Bell’s Palsy in the first place. If it were Myastenia Gravis, for example, you would now be subject to the underwriting practices of Myasthenia Gravis, and not Bell’s Palsy. The same would go with whatever health concern it was deemed to have been the catalyst for your episode.
If you’ve dealt with Bell’s Palsy and life insurance is on your to-do list, give us a call or start a quote right here on our website. We’ll be happy to assist you. We can tailor a life insurance product to your specific needs and health, and we can find you the most affordable policy from over 50 of the most reputable carriers. Life insurance with Bell’s Palsy is very doable, and we’re here to help you get started.