Buying Life Insurance with Osteoporosis [7 Qualifying Tips]

Osteoporosis 101

Although osteoporosis affects women and men, in the U.S. alone, one out of five women over 50 years old develop the bone disease.  At least half of all women over 50 years old are likely to endure a fracture of the wrist, hip or vertebra (spine bones), as women tend to lose bone more quickly than men due. This can be attributed to menopause, and the fact that women have less bone tissue than men in general.  Thin, small boned women, as well as Asian and Caucasian women, are most susceptible to the bone disease. If you are currently being treated for osteoporosis, or have already been diagnosed with it, there is a strong likelihood that your life insurance rates will be higher than if you didn’t.

Osteoporosis is a gradual bone disease that’s distinguished by a reduction in bone density and mass, raising the likelihood of a potential fracture. The most typical type of osteoporosis is called “Primary Type 1” and is generally found in postmenopausal women. Senile osteoporosis, otherwise known as “Primary Type 2” osteoporosis, happens after a woman or man turns 75.

Secondary osteoporosis is caused by chronic predisposing diseases or medical issues, or as a result of continued medication use, including glucocorticoids.

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