I have Myelodysplastic syndrome Can I get life insurance?

What is Myelodysplasic Syndrome?

Myelodysplastic syndromes (MDS) are a group of disorders caused by poorly formed blood cells or ones that don’t work properly. Myelodysplastic syndromes result from something amiss in the spongy material inside your bones where blood cells are made (bone marrow).  Myelodysplastic syndrome life expectancy is dependent on if you have a low risk of this syndrome.  If so, the lifespan is approximately 5 years.  The people who are considered high risk often develop Lou Gehrig’s disease.  Most people are diagnosed with (MDS)at age 60-65.

Hi, I’m Mitch Winstead with Allstar Senior Benefits.  I can only imagine how tough living with this syndrome must be, let alone having to think about life insurance.  I have some good news, you CAN get life insurance. However, you will have to pay around 30% more for it.  It is still reasonable. Just because you have to pay more for it does it mean you should not get it if you can afford it. It certainly is better than have no life insurance at all.  Call today for your quote with no obligation. Our website is www.allstarseniorbenefits.com toll-free number is 866-598-8170  or 910-538-4547.   Our email address is mitch@allstarseniorbenefits.com  Or Facebook page is www.facebook.com/medsuppguru.  Most people think that they just cannot get insurance because of they have this diagnosis.  I represent companies that do not ask ANY questions about your health to qualify for life insurance. The way this works is that for the first 2- 3 years you will get 100% of what you paid into the policy if you die in that 2- 3 year period. After 2-3 years if you take out a $10,000 life insurance policy your beneficiary will get the full face amount of the$10,000. Your benefits will NEVER decrease and your premiums will NEVER increase. Your policy will last you your whole life.  This is often referred to as permanent insurance and it does build a cash value after 18-24 months.  

Treatment for myelodysplastic syndromes usually focuses on reducing or preventing complications of the disease and its treatments. In some cases, treatment might involve chemotherapy or a bone marrow transplant.

Symptoms

Myelodysplastic syndrome symptoms or signs rarely occur in the early stages.

In time, myelodysplastic syndromes might cause:

  • Fatigue
  • Shortness of breath
  • Unusual paleness (pallor) which occurs due to a low red blood cell count (anemia)
  • Easy or unusual bruising or bleeding which occurs due to a low blood platelet count (thrombocytopenia)
  • Pinpoint-sized red spots just beneath your skin caused by bleeding (petechiae)
  • Frequent infections which occur due to a low white blood cell count (leukopenia)

When to see a doctor

Make an appointment with your doctor if you have signs or symptoms that worry you.

Causes

In a healthy person, the bone marrow makes new, immature blood cells that mature over time. Myelodysplastic syndromes occur when something disrupts this process so that the blood cells don’t mature.

Instead of developing normally, the blood cells die in the bone marrow or just after entering the bloodstream. Over time, there are more immature, defective cells than healthy ones, leading to problems such as fatigue caused by anemia, infections caused by leukopenia, and bleeding caused by thrombocytopenia.

Some myelodysplastic syndromes have no known cause. Others are caused by exposure to cancer treatments, such as chemotherapy and radiation, or to toxic chemicals, such as tobacco, benzene, and pesticides, or to heavy metals, such as lead.

Types of myelodysplastic syndromes

The World Health Organization divides myelodysplastic syndromes into subtypes based on the type of blood cells — red cells, white cells, and platelets — involved.

Myelodysplastic syndrome subtypes include:

  • Myelodysplastic syndrome with unilineage dysplasia. One blood cell type —white blood cells, red blood cells or platelets — is low in number and appears abnormal under the microscope.
  • Myelodysplastic syndrome with multilineage dysplasia. In this syndrome, two or three blood cell types are abnormal.
  • Myelodysplastic syndrome with ring sideroblasts. This type, which has two subtypes, involves a low number of one or more blood cell types. A characteristic feature is that existing red blood cells in the bone marrow contain a ring of excess iron called ring sideroblasts.
  • Myelodysplastic syndrome associated with isolated del chromosome abnormality. People with this syndrome have low numbers of red blood cells, and the cells have a specific mutation in their DNA.
  • Myelodysplastic syndrome with excess blasts — types 1 and 2. In both these syndromes, any of the three types of blood cells — red blood cells, white blood cells or platelets — might be low and appear abnormal under a microscope. Very immature blood cells (blasts) are found in the blood and bone marrow.
  • Myelodysplastic syndrome, unclassifiable. In this uncommon syndrome, there are reduced numbers of one of the three types of mature blood cells, and either the white blood cells or platelets look abnormal under a microscope.

Risk factors

Factors that can increase your risk of myelodysplastic syndromes include:

  • Older age. Most people with myelodysplastic syndromes are older than 60.
  • Treatment with chemotherapy or radiation. Chemotherapy or radiation therapy, both of which are commonly used to treat cancer, can increase your risk of myelodysplastic syndromes.
  • Exposure to certain chemicals. Chemicals linked to myelodysplastic syndromes include tobacco smoke, pesticides and industrial chemicals, such as benzene.
  • Exposure to heavy metals. Heavy metals linked to myelodysplastic syndromes include lead and mercury.

Complications

Complications of myelodysplastic syndromes include:

  • Anemia. Reduced numbers of red blood cells can cause anemia, which can make you feel tired.
  • Recurrent infections. Having too few white blood cells increases your risk of serious infections.
  • Bleeding that won’t stop. Lacking platelets in your blood to stop bleeding can lead to excessive bleeding.
  • Increased risk of cancer. Some people with myelodysplastic syndromes might eventually develop a cancer of the blood cells (leukemia