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In This Article, I’m Going To Specifically Discuss What Factors Exist When Considering Life Insurance Coverage On Someone Who Has Asperger’s Syndrome
Most likely you’re reading this article today because either yourself or a loved one has Asperger’s syndrome and you’re wondering what kind of options exist for life insurance. Can you even get qualified? Do you have to pay extra? What types of life insurance would you be eligible for?
All Of These Questions And More Will Be Answered Below:
- Factors To Consider When Looking For Life Insurance Coverage For Someone Who Has Asperger’s Syndrome
- What Are My Options For Life Insurance Based On The Asperger’s Level Of Severity?
- Burial Insurance Rates, Age 40 To 90*
Factors to consider when looking for life insurance coverage for someone who has Asperger’s syndrome
There are a number of factors that underwriters will consider when looking at an application for life insurance, especially from someone who suffers from Asperger’s syndrome. Let’s take a look at each of these in more detail.
Doctors and health professionals have devised what’s called an autism spectrum, which you probably are familiar with if you or someone you know has Asperger’s syndrome. This scale helps categorize levels of severity for those who suffer from neurological disorders. As you may be aware, people with Asperger’s can function in society and otherwise aren’t necessarily distinguishable between regular people.
However, if they suffer from a severe form of Asperger’s it could directly impact other conditions and factors to be considered. The underwriter reviewing your application will want to know where you fall on the autism spectrum, which in turn will have some effect on your eligibility for life insurance.
A number of questions will also be asked to determine the level of cognitive ability, some of which may include, but are not limited to, the following:
- What kind of mental limitations, if any, do you have?
- Can you function cognitively on a level considered normal by a health care professional?
- Do you have cognitive limitations that preclude you from accomplishing daily living tasks?
- Can you hold a job on your own?
- Are you disabled and receive social security disability?
Generally, the more you can show a level of normal cognitive abilities with Asperger’s, the less impact it will have on your eligibility for life insurance coverage. However, if you suffer from severe mental limitations such as behavioral health issues that require medication to control your attitude or behavior, you may experience rate increases or even be declined for coverage.
Again, this is a case by case scenario. Ultimately, you will want to talk to someone like us here at Buy Life Insurance for Burial to give you an idea of what you may experience during the application process.
In some circumstances people with Asperger’s may experience physical limitations that may impair their capability of getting life insurance coverage.
Physical limitations include paralysis, gait issues, and limited mobility that may effect normal everyday activities. The less physical limitations you have, the better your chances of qualifying for life insurance coverage with Asperger’s.
If you experience some physical limitations, your underwriter is going to want more details as to what those limitations are and the impact that they have on your everyday routine. So be prepared to answer more questions in detail.
Activities of daily living
Activities of daily living is a catchall phrase that pertains to how you perform with normal, everyday activities that most people do.
Examples of daily living activities could include things like:
- Getting out of bed
- Putting on clothes
- Feeding yourself
- Preparing meals
- Giving yourself medications
- Getting in and out of a chair
- Moving about
- Using the bathroom
These are all normal activities that most people don’t think twice about, but they are problematic for those who suffer from mental and physical issues. If you have Asperger’s and it’s so severe that you experience any sort of deficiency in these activities of daily living, it is likely that life insurance companies may limit their eligibility options for you.
Health and lifestyle
As with any life insurance application process, your health and your lifestyle, in addition to your Asperger’s, will be adequately assessed in order to determine your insureability. When we say health, not only will we ask questions about Asperger’s, we’ll also ask general health questions including, but not limited to, the following:
Do you have a history of…
- Lung disease
- Diabetic complications
- Heart problems
- Liver problems
- Kidney problems
- Neurological problems like Lupus
- Multiple sclerosis
- Mental health disorders such as depression, bipolar disease, schizophrenia
- Medication usage
These are all factors that have a direct impact on your application, so please be forthright, transparent, and honest.
Medication usage, just like your health history, will have a direct impact on your level of insureability for coverage. Medication taken with Asperger’s most commonly deals with mental health conditions such as depression, bipolar disorder, anxiety, and the like.
Underwriters will want to know:
- What medications you are taking
- The dosage amount
- The reason the medication was prescribed
- The length of time you have taken the medication
Also, if you take medications for other reasons that aren’t necessarily related to Asperger’s or mental health issues, of course those will be considered as well, along with any other health issues you might have.
Time frame since diagnosis
While doing research to understand how life insurance companies rate and review Asperger’s syndrome I discovered that one of the most important things underwriters look at is the length of time that has passed since diagnosis.
There are reports of parents who decided it was important to pick up life insurance coverage for their young child diagnosed with Asperger’s, but when they applied they were declined. Why? Because the diagnosis was so early on in life that there hadn’t been enough testing and medical history to determine the severity of the condition.
What you’ll find more likely than not is a hesitancy on the part of insurance companies to offer coverage if the Asperger’s has recently been diagnosed. Whereas the longer period of time that has passed since the diagnosis, the higher the likelihood you’ll have some kind of eligibility for life insurance coverage.
Again, this is a broad brush I’m painting with. By no means am I giving you assurances and guarantees. I’m simply giving you a general concept by which underwriters tend to work – a concept that is true for any kind of condition that has been recently diagnosed and doesn’t have much medical documentation to aid the underwriter in their decision.
What are my options for life insurance based on the Asperger’s level of severity?
In this section, I’m going to discuss briefly what your options may be if you have Asperger’s based on the syndrome’s level of severity.
Very severe Asperger’s
If you have very severe Asperger’s syndrome and it is having a direct impact on your daily living and independence, it’s likely that the only options of coverage you’ll have is guaranteed acceptance life insurance.
If you are a caretaker of someone with Asperger’s, say your child, and want to ensure they are cared for if you pass away, you can look into getting coverage on yourself. This would allow funds to be in place for your child to continue to receive the care and support they require when you pass away.
If you have mild to moderate Asperger’s and you generally live alone and only have some mental health implications, it’s likely that you’ll either qualify for a simplified issue whole life plan, or some sort of rated traditional life insurance plan. My recommendation is to consider having an examination with this process to ascertain the best types of policies available to you.
An individual with mild Asperger’s can complete daily living tasks independently.
Those with mild Asperger’s are the most likely group to qualify for traditional or simplified issue insurance, assuming that they are also in generally good health.
Burial Insurance Rates, Age 40 to 90*
Rates For $5,000 In Burial Insurance
Rates For $10,000 In Burial Insurance
Rates For $15,000 In Burial Insurance
Rates For $20,000 In Burial Insurance
Rates For $25,000 In Burial Insurance
*Burial insurance premiums are subject to underwriting, based on rates as of 8/20/2018, from state-regulated life insurance companies offering final expense burial whole life insurance protection. Understand that in order to potentially qualify, you must submit an application to see if you’re eligible. Rates are subject to change. Give Buy Life Insurance For Burial a call at 888-626-0439 now to see what program you may qualify for.