Life insurance for thyroid diseases involving the parathyroid gland is readily insurable for most people.
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Thyroid Diseases Overview
Common conditions, according to EndocrineWeb include hyperthyroidism, hypothyroidism, goiters, and thyroid nodules.
Most controlled endocrine-related conditions have minimal impact on high-risk underwriting.
Hyperthyroidism
Your thyroid gland produces too much hormone when you have hyperthyroidism.
Your thyroid gland lowers your TSH and elevates your T3 and T4 results.
Typical treatment includes thyroid medication.
A common cause of hyperthyroidism is Graves’ disease.
Graves causes an autoimmune stimulation of the thyroid gland.
The preferred best rates are available for controlled hyperthyroidism.
Hypothyroidism
Hypothyroidism is when your thyroid gland doesn’t produce enough thyroid hormone.
Hashimotos’ thyroiditis is a common cause of hypothyroidism.
Your thyroid gland elevates your TSH and lowers your T3 and T4.
Hormone replacement is a common thyroid treatment.
Life insurance at the best rates is available for controlled hypothyroidism.
Goiters
A goiter is an abnormally large thyroid gland.
It may cause an underactive or overactive thyroid gland.
If your endocrinologist has checked the goiter, it will not affect your underwriting.
Thyroid Nodules
Nodules are lumps that form in your thyroid.
While most thyroid nodules are benign, approximately 5% will turn out to be thyroid cancer.
Thyroid nodules may be difficult to work with at times, depending on your examination type.
Having a few follow-up sonograms to confirm that the nodule is stable with no changes is important.
The best rates are available if you have a fine needle biopsy with benign results.
Underwriting Questions
Life insurers want to know:
- What is your exact diagnosis?
- How is your condition being treated?
- Were any ultrasounds or biopsies completed?
- Have all the recommended tests been completed?
- Are there any complications from your condition?
- Do you have any other conditions, such as heart disease?
Final Words
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