[ewmb]

#1069194

Hi,
I haven’t heard of that at all. My state has an insurance commissioner. Look on the web for your state and find out how to get in touch with them to see if this is right. Also you can check with them on the business complaints about the company.

ewmb

[Anonymous]

#1069195

ewmb,
I am an insurance agent in Ohio and yes…sadly Graves is an automatic decline for most life insurance companies. Because it is an auto-immune disease that never really goes away.

There are specialty companies that deal with "high risk" clients…or increase your coverage through work. If your Spouse works at a company offering the life insurance, get on their plan, usually it is a lot like group health coverage.

You could also check out your mortgage or credit card companies to see if they offer it as a group rate.

I was lucky, being in insurance for 10+ years, I already have life insurance established!

Good luck!
Amber

[susant]

#1019097

HI,

I have just found out that my life insurance has been refused due to graves. Has anyone heard of this, particularly given that I have no other conditions. any ideas would be appreciated?

Susan

[ewmb]

#1069196

Does that mean that if I already have life insurance, as I do, that I am fine to keep it? We have it through our alumni association from college. Is this type of thing one of the things that is being discussed for change in the Health Care/Insurance Reform? It doesn’t seem fair especially if you have it controlled.

ewmb

[SBryan]

#1069197

I too was denied life insurance as of last week. The letter I recieved did not explain what in particular was the medical reason for the denial. It just stated it was due to "past medical history". I just assumed it was due to my Graves disease. Luckly, my husband has a group life and health insurance plan through his work that has allowed me coverage.

[elf]

#1069198

No, my life insurance was not declined with RBC Insurance in Canada. I said I had Graves, had RAI, no thyroid, and taking Synthroid. More than that, said that I was going to undergo orbital decompression, where they break your skull and set your eyes back.

Got an approval even with a preferred rate. Graves does not cause death, when it is under control, does it?

I didn’t go through in the end for other reasons, but they definitely wanted me. I refuse to believe that in USA they consider Graves a deal-breaker. Maybe call more insurance companies around?

[James]

#1069199

Like elf, I’m a Canadian resident as well and have had independent Term Life insurance for a good number of years (well over 10 years). At the time, I remember going through a battery of blood tests and some medical testing (BP etc), I had full blown Graves’ Disease at the time the Insurance policy was underwritten and the Insurance company knew about that. When I say “full blown” I mean, it was controlled with antithyroid medication at the time, but it certainly wasn’t in remission. I don’t know if it makes a difference as to when the plan was underwritten (in my case well over 10 years ago), or if it has something to do with which country you reside in. One would think that GD is very controllable and although potentially life threatening, usually most everyone goes on to live relatively normal lives after treatment. Perhaps they are concerned about the increased likelihood of one developing a more serious form of autoimmune disease, but that rationale seems like a stretch to me. I’m going to call my Insurance agent and make some inquiries about this. I’m just curious as to if I would be still be insurable today.

James

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