Life Insurance Can Still Be Affordable Even If You Have Chronic Pain

I know a thing or two about pain. Every once in a while, I get a flare-up of an old injury. Are you a sufferer too? You’re already going through enough if you have constant pain; your life insurance rate shouldn’t be a headache too. Stratus Financial Partners wants to debunk the myth that chronic pain sufferers can’t get life insurance.

What is chronic pain?

If you are experiencing pain that has carried on for months or longer, it may be classified as chronic pain according to the Mayo Clinic. It often develops from an acute injury that has healed, but the pain persists and affects your everyday life. It’s not easy to ignore on a day-to-day basis, which is why it has such a high impact on your lifestyle. Life insurance companies consider chronic pain on your application because it can actually cause these side effects:

  • Weight gain
  • Depression
  • Lack of physical ability
  • Job performance
  • Sleep deprivation

What do life insurance companies look at?

While life insurance companies regard chronic pain to be a risk, they also look at other aspects, like its severity and how you and your doctors are managing your condition. These factors can help determine the affordability of your plan. All life insurance companies aren’t the same; some view various health conditions differently than others. This is why it helps to know an expert who understands the application process and can help you choose the company that best suits your health needs and lifestyle best.

When seeking the right life insurance policy, your application will require you to disclose the location, cause, and severity of your chronic pain. The less severe your pain is, the less likely to impact your quality of life, which is why insurance companies are interested. But even if your chronic pain is a ten on the severity chart, your management of the pain also factors into the price of your plan.

Do you use pain medication or natural herbs or receive treatment like acupuncture or exercise? This is a major part of your application because your choice of treatment also affects your lifestyle and health in the eyes of a life insurance company. For example, natural remedies like exercise or chiropractic care will be preferable to opiates due to the serious side effects associated with these drugs.

Taking all these factors into consideration can be overwhelming. The best way to approach the process with ease and get an affordable plan is to have an expert on your side.


Independent Policy Review

The insurance world can be difficult to navigate. Without a clear understanding of their current plan, it’s difficult to be certain that your clients have the right coverage. If you’d like to take a closer look, you’ve come to the right place. We can answer your life insurance questions and provide the clarity you need to sleep easy. Learn more about our services or join our newsletter today. To contact us, click here.

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