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life insurance

anyone ever been turned down for life insurance because of your eds? i have a mild form and never had any issues getting insured before. recently tried to update and tweak my coverage and every one i try refuses to write me due to the eds. 37 and otherwise completely healthy.
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Avatar universal
I just started finding out about life insurance today.  I have EDS hypermobility, they are not holding the EDS against me, but the medications that I am taking for it.  The quote I got was nearly double the rate if I wasn't taking the meds.  Do you have to take any meds for the EDS.  Does Met Life or Combined Life consider meds for the EDS, maybe I will go to them?
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1182923 tn?1279197025
Sorry for the delay in response, I've been knocking myself out recovering from hip surgery.

In response to your question, absolutely yes, I did inform them of my EDS. But as I said in my post, maybe it's because of the type I have. I wondered out loud if it's possible that they turn down EDS with cardio involvement, which I most definitely do not have. Maybe they assume it has a cardio involvement unless you prove otherwise. I have no idea what goes through their heads (I'd pay money to have that thought list).

Maybe it's just Met Life - that's the company I deal with. This was my second policy, the first one is from Combined Life Ins of NY --- They also know I have EDS, no denial, no increase in cost. The Combined policy was purchased in 2003. Met Life was purchased in 2009.
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186737 tn?1269884660
did you tell them about having eds? I have been turned down by multiple life insurance companies. I ued to have RA Dx, which I guess I still have, but when I got the EDS Dx, I called the places that urned me down and happily told them that the new DX is EDS, thinking I might get approved,. but nope. EDS i on the denial list too. argh! fortunately I have nobody to leave anything too aside from my cats.
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1182923 tn?1279197025
I know this is an older post, but I have never been turned down with my EDS.

I just bought another, large, policy from Met Life - and fully disclosed my EDS and had no problems getting insurance. They make me pay a slightly higher premium, but in no way was I denied.

Now that said, I only have EDS Hypermobile Type. If you have the cardiac/vascular form of this disease, that may be a consideration as to why you'd be denied. I have heart and vascular screenings each year for my EDS, even though we know I don't have that form. We do it just to make sure there's no involvement. With that, I had years of proof that I don't have any cardiac or vascular component.

Could it be that this is part of the problem?
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620923 tn?1452915648
Hi...sorry, to hear this happened.
It is helpful to know  that ur dx was enuff to be declined ...I have other conditions that I am sure now after hearing this that I am not insurable.

"selma'
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