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12-05-2007, 04:24 PM
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#1 (permalink)
| | Brecken's Mommy
Join Date: Mar 2006 Location: Colorado
Posts: 1,659
My Mood:  Points: 3,517.56 Bank: 52,230.63 Total Points: 55,748.19 |  Life Insurance with PCOS
Have any of you ladies got life insurance after being Dx with PCOS? I am trying right now and they are putting me in the worst health class because of it. I am normal weight and have no other health problems. Is there any way to get around this issue?
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-Marilyn
Me 26 DH 28
DS born 3-27-07
BFP!!! 7-12-06 13dpo
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12-05-2007, 11:24 PM
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#2 (permalink)
| | Brecken's Mommy
Join Date: Mar 2006 Location: Colorado
Posts: 1,659
My Mood: Points: 3,517.56 Bank: 52,230.63 Total Points: 55,748.19 |
***Bump***
__________________
-Marilyn
Me 26 DH 28
DS born 3-27-07
BFP!!! 7-12-06 13dpo
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12-06-2007, 03:18 AM
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#3 (permalink)
| | Registered User
Join Date: Jul 2006 Location: Dunedin, New Zealand
Posts: 623
My Mood:  Points: 2,311.82 Bank: 129,522.64 Total Points: 131,834.46 |
Insurance and the health system are very different in NZ from the US but I was assessed for health and life insurance not so long ago through my partners employer. They weren't worried about PCOS, if I had full blown diabetes they said my premiums would have increased to reflect that.
I guess being 21 they know they still have a few years of sucking money out of me! lol
__________________ Diagnosed Aug 2005.
Symptoms: No periods, obese, excessive hair
Currently on Norimin
Loving
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and
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High Protein/Fibre diet
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Finished my Nutrition degree! (BSc), Almost done with my BCom (Economics)
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- Feel free to comment!
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12-06-2007, 01:39 PM
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#4 (permalink)
| | Registered User
Join Date: Nov 2007
Posts: 136
My Mood:  Points: 1,776.99 Bank: 0.00 Total Points: 1,776.99 |
i wished i knew what to tell you . i hope you can figure something out.
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name: beth (27) stay at home wife
dh's name: mike (27) in the army national guard.
levothyroxin 88mcg once a day
taken provera 10mg for 10 days to get af started
taken clomid 50mg to ovulate | |
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12-06-2007, 02:27 PM
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#5 (permalink)
| | ...and she sings, too!
Join Date: Sep 2007 Location: Austin, TX
Posts: 155
My Mood:  Points: 50,840.97 Bank: 585,773.45 Total Points: 636,614.42 |
Thankfully my employer does not place limitations on pre-existing conditions (although since I got Dx'ed after working here for 10+ years, it isn't an issue anyway).
Have you tried checking out other insurance companies?
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Cyn
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Dx'd PCOS in December 2007 Met 1000 (1500 was making me woozy) Met first weight loss goal on 2/8/08! Second Weight loss goal: To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. | |
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12-06-2007, 07:49 PM
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#6 (permalink)
| | Witchy Cyster
Join Date: Nov 2007 Location: Niagara Falls, New York
Posts: 63
My Mood:  Points: 3,624.49 Bank: 0.00 Total Points: 3,624.49 |
I am a licensed Life, Accident, Health Insurance agent.. to be honest this is the first time I've ever heard of anyone being put into low health class because of PCOS I have a policy on myself which I just picked up in June and the company I went through was more concerned about my IR when I mentioned I was Met during the screening.. then again I only know the laws here in the US on pre existing conditions | |
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12-06-2007, 09:17 PM
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#7 (permalink)
| | Registered User
Join Date: Jan 2001 Location: Owasso, OK
Posts: 223
My Mood:  Points: 70.00 Bank: 85,364.58 Total Points: 85,434.58 |
I have life insurance and my PCOS wasn't ever an issue. I work for an insurance agency. I will ask my agents on Monday if they can rate you differently because of the PCOS. I will let you know!
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Me (27) DH (32)
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To 4 boys: Matthew 10/99, Gabe 5/05, Nathan 5/06 and Cameron 6/06!
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12-06-2007, 09:34 PM
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#8 (permalink)
| | JosieFB
Join Date: May 2006 Location: Nashville
Posts: 753
My Mood: Points: 22,469.43 Bank: 0.00 Total Points: 22,469.43 |
If your blood lipids, glucose and weight are normal, it would be very unusual for them to give you a substandard rate. Are you applying for a large face amount? Underwriters tend to scrutinize those more by looking at what is available from the medical information bureau and previous medical history.
Did you have to have a medical exam to apply? If not, maybe you should look around for a policy that requires one instead of asking medical questions on the application, since you are healthy. | |
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12-10-2007, 12:10 AM
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#9 (permalink)
| | Brecken's Mommy
Join Date: Mar 2006 Location: Colorado
Posts: 1,659
My Mood: Points: 3,517.56 Bank: 52,230.63 Total Points: 55,748.19 |
I do have to have a nurse come to my house and take my blood and other stuff. I am shopping around until I find one that doesnt care about the PCOS.
__________________
-Marilyn
Me 26 DH 28
DS born 3-27-07
BFP!!! 7-12-06 13dpo
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12-10-2007, 12:50 AM
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#10 (permalink)
| | Wishing for a surprise...
Join Date: Mar 2006 Location: Filer, Idaho
Posts: 3,598
My Mood:  Points: 21,785.07 Bank: 1,085,095.41 Total Points: 1,106,880.48 |
Have you ever looked into Modern Woodmen of America? They are awesome...  I have a policy for myself and they didn't mention my health status...they just asked if I took meds or had any condition. I am overweight and still got GREAT coverage!
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12-11-2007, 09:37 AM
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#11 (permalink)
| | angst and eyeliner
Join Date: Aug 2005 Location: san francisco
Posts: 1,264
My Mood:  Points: 1,386.85 Bank: 55,151.01 Total Points: 56,537.86 |
i would maybe try to find another carrier. i don't think that pcos alone should be an absolute contraindication to life insurance coverage.
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12-11-2007, 11:09 AM
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#12 (permalink)
| | Heather
Join Date: Oct 2006 Location: Minnesota
Posts: 137
My Mood: Points: 1,096.36 Bank: 7,028.85 Total Points: 8,125.21 |
I recently got new life insurance. They had a nurse come to our house and do bloodwork and blood pressure etc. They didn't increase the cost of it because of PCOS at all, it wasn't an issue. Good luck I hope you find something that will work better.
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Heather
Me (26) DH - Jeremy (26)
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TTC #1 since July 2003
5/17 Injection round 1
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12-11-2007, 12:38 PM
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#13 (permalink)
| | Registered User
Join Date: Mar 2006 Location: TEXAS!!!
Posts: 177
My Mood:  Points: 3,096.16 Bank: 16,974.64 Total Points: 20,070.80 |
Lubby,
I work in Life Insurance. What company was that? If it was a real cheap carrier and not a very good company ratings wise - I am would not be surprised. You really need to be careful who you have life insurance with. Just because it is super cheap does not mean that they will be good about paying the claim. You need to look at their ratings and see how reliable they are.
Leigh
__________________
Leigh | |
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12-11-2007, 01:52 PM
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#14 (permalink)
| | Registered User
Join Date: Aug 2007 Location: US
Posts: 215
My Mood: Points: 7,467.82 Bank: 0.00 Total Points: 7,467.82 |
That is odd to me you are having trouble getting life insurance due to your PCOS. I have not ever had and issue with it and I have been dx. now for almost 10yr.I know that whenever we have had to list it that they ask alot of medically questions about it and what it is but they always approve me with no problems. If I were you I might consider looking into several different life insurance companies. Good luck | |
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12-13-2007, 12:13 AM
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#15 (permalink)
| | Brecken's Mommy
Join Date: Mar 2006 Location: Colorado
Posts: 1,659
My Mood: Points: 3,517.56 Bank: 52,230.63 Total Points: 55,748.19 |
I first tried Zander insurance, its a broker and they said their underwriter put me in the worst health class. Right now I am trying to go thru Select Quote and I got a quote from ING and so far the PCOS isnt a problem, but the policy isnt final yet.
__________________
-Marilyn
Me 26 DH 28
DS born 3-27-07
BFP!!! 7-12-06 13dpo
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