He spent his life on a chain, his neck bearing the scars, and his body in freezing pain with scabies

Cushing's Syndrome is a fairly uncommon medical condition. However, despite the fact that it only affects 3 in a million new people per year, it is a condition that most life insurance companies consider to be relevant.

Fortunately, even if you have Cushing's Syndrome, there are likely many life insurance policies that are well within your reach. Having any sort of long-term medical condition may make the insurance application process a bit more difficult, but this does not mean you do not have any reasonable options.

Begin by meeting with a doctor

Cushing's Syndrome is something that can often be effectively treated, though there is still a significant amount of research that needs to be done. Before you develop a long-term financial plan, it is important to meet with a doctor to understand the specific state of your condition. Getting a proper diagnosis from a licensed professional is absolutely essential.

Cushing's Syndrome is a condition that is characterized by numerous different signs and symptoms:

• Obesity that is restricted strictly to the abdomen
• Prolonged exposure to cortisol
• Acne and other skin conditions
• Weakness in the muscles and bones
• Swelling of the face, neck, and shoulders
• High blood pressure

As you might assume, many of these symptoms are commonly associated with other medical conditions as well. This is why meeting with a doctor is so fundamentally important. Once you understand the state of your condition, you can develop a long-term treatment plan and also develop an appropriate financial strategy.

Not all life insurance companies are the same

Life insurance companies typically price their policies based on the statistically expected lifespan of the individuals applying for them. Though Cushing's Syndrome is not considered fatal by any means, having this condition will often make you a 'higher risk' individual in the eyes of a life insurance provider.

It is important to note that not all companies (or even all life policies) are the same. While Cushing's Syndrome might increase the cost of a policy from one company, it might be completely ignored by another.

When comparing different policies, there are a few things you should consider:
• What are your current life insurance needs?
• How long have you had Cushing's Syndrome? How severe are the symptoms?
• Do you have any other relevant or related conditions?

Another important thing to recognize is that many insurance companies may allow you to retroactively reduce your monthly premiums. What this means is that with a successful treatment, any increase in premiums due to Cushing's Syndrome can potentially be removed.

Consider applying for guaranteed issue life

Another option for people with Cushing's Syndrome-especially those who are older-is a guaranteed life insurance policy. With a guaranteed policy, you do not have to undergo a medical exam. Consequently, this means that the presence of your condition may be made entirely irrelevant.

One drawback of guaranteed policies is that they usually only provide you with a limited amount of coverage. However, even keeping this in mind, these policies may be able to effectively meet your needs. If you are willing to do your research, compare different options, and follow your doctor's instructions, navigating the world of life insurance as a person who has Cushing's Syndrome may be more possible than you might think.

Get an instant life insurance quote in only 3 minutes with no commitment on your part.

Our experienced life insurance agents will help you walk through the process. Getting a cheap life insurance policy was never so easy.

He spent his life on a chain, his neck bearing the scars, his nails painfully curling under and his body in freezing pain with scabies. Through his eyes, is the pain of his soul that can be seen in their sadness.

Our respect and love to Valentina and her friends for saving this precious boy today. You are his angels.

More info about this poor pup please contact Paws2Rescue

STATUS : - read comment for update from crossposter
Do you need critical illness insurance? It can be hard to imagine yourself in a position where you might need to file a critical illness insurance claim; however, it is important to note that the most important thing to prepare for is not the possibility of being affected by a critical illness, but the emotional, physical, and financial costs of surviving that illness. Living with and even beyond a critical illness is challenging and costly. Your recovery may leave you with the cost of healthcare services, prescribed drugs and supplements, home care costs, costs of renovations or modifications to the home for new accessibility needs, childcare, and other expenses that may not be covered by your government health insurance plan. You may have to travel to get the medication or treatment you need, or you may simply need to travel to get into climate conditions that are more suitable to your psychological, emotional, or even physical healing. On top of all this, you have your regular household bills plus the potential disruption to your ability to work. The financial implications of a serious illness add up quickly.

Despite all of these probabilities, many people - Canadians especially - underestimate the financial impact a critical illness can cause. Why is it so common for Canadians to overlook their need for critical illness insurance? Well, we have free healthcare, right? So why should we need to invest more money in the financial securities we already have in place? The truth of the matter is that our healthcare doesn't cover all of the expenses a critical illness can cause us to accumulate and the coverage it does provide may not arrive quickly enough if you are left sitting on the waiting list too long.

Let's take a look at an example: imagine you've just been called into the doctor's office. Your last test revealed that you have cancer and you need chemo therapy right away. In Ontario, your wait time to start retrieving treatment is four weeks or you could go to Buffalo and start treatment there tomorrow, but it will cost you $40,000. Critical illness insurance could help you pay that expense, and perhaps even the travel costs of getting to Buffalo for your treatment.

But that isn't all. As we've already pointed out, your illness comes with other financial implications-like your sudden inability to work. All of a sudden, your day-to-day living expenses have become a lot more stressful, and all of this is compounded by the fact that your partner is also taking time off work to take you to medical appointments. Those bills are going to start to pile up, and even after you've been given a clean bill of health, you still need time to physically recover from your treatments (as well as from the overall psychological and emotional trauma). You aren't going to want to rush right back to work to start tackling those bills.

Cancer isn't the only illness that can have this impact. Critical illnesses like heart disease, diabetes, stroke, epilepsy, etc. have an equally severe physical, psychological, and financial impact.

How realistic is it to rely on alternative options?
Many people feel they can rely on their spouses, retirement savings, sale of assets, or government assistance in the event that they find themselves in need, but you don't want to be left in a position where you have to hope that these options come through for you in a timely enough manner. In most cases, it just isn't realistic to rely on these options. Plus, critical illness insurance provides you with additional benefits, like:

Providing coverage for expenses that aren't covered by our healthcare system: Critical illness insurance can help offset some of the costs of certain drug prescriptions or other treatments that you would otherwise have to pay for out-of-pocket.
Protecting your retirement: You don't want to eat into your retirement savings to accommodate the costs of your illness-those savings have their own purpose, and you don't want to sacrifice your future lifestyle or your ability to retire when you want. Critical illness insurance offers the financial relief you need to prevent the necessity of dipping into those savings so you can keep your retirement plans on track.
Additionally, critical illness insurance is designed to:

Reduce debt and other financial concerns while you cope with your illness
Replace reduced or lost income for you and your spouse
Cover the costs of bringing additional help into the home
Provide you with the opportunity and ability to consider new medical treatments and medications that are not covered by private or government health insurance plans
Don't Overlook this Coverage
Critical illness insurance can provide you with the financial support you need to ensure that the costs of your illness don't become devastating. For more information about how to get a critical illness insurance quote.

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