Can I Get Life Insurance With an Irregular Heartbeat?
Can I Get Life Insurance With an Irregular Heartbeat
One of the most common heart related questions we receive is, “Can I Get Life Insurance With an Irregular Heartbeat?” If you’ve been diagnosed with arrhythmia or other form of irregular heartbeat, you may be wondering if you can get life insurance coverage. The short answer is yes, you can. Over 2 million Americans living today have been diagnosed with an irregular heartbeat, and the truth is that most people with this medical condition do qualify for term life insurance.
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We work with over 60 different insurance providers, and we are prepared to help you get the best rates possible for your preexisting condition. To do this, however, we will need you to be prepared to work with us and be honest about your situation. Keep reading to learn more about what to expect, but know that you can start looking at quotes at any time using the quote form right on this page.
Questions You Should Be Prepared to Answer
Again, honesty is key. Insurance companies will want as much information as possible, and so we will be asking you a series of questions about your irregular heartbeat. You should be prepared to answer the following:
1. What was the date of your original diagnosis?
2. What was the diagnosis?
3. What kind of treatment, if any, have you undergone since then?
4. Are you currently on any medications for your irregular heart beat? If yes, what are the details (type of medication, quantity, frequency, etc.)?
5. How frequently do you see your doctor?
6. What is your lifestyle like (do you exercise regularly, eat healthy, etc.)?
7. Have you been diagnosed with any additional health conditions (high blood pressure, diabetes, high cholesterol, heart attack) etc..?
8. What kind of tests have you had and what were the dates of your most recent ones (tests include electrocardiogram, echocardiogram, CT scan, etc.)?
How an Irregular Heartbeat Affects Insurance Rates
The degree to which your condition affects your life insurance rates all depends on its severity. For example, premature contractions are one of the most common types of irregular heartbeat conditions, and they are generally benign and not of much concern to insurance companies, especially if the applicant is in otherwise good health. In these cases, the applicant is usually offered standard insurance rates, and for some, preferred rates are even achievable.
On the other hand, a person with, say, atrial fibrillation will face more difficulties. In these cases, insurance companies will be looking not only at the condition itself, but also the level of control the applicant and their doctor have over it. People with a high level of control (meaning no adverse effects like heart disease or heart attack in addition to good overall health) will be eligible for standard rates.
If the condition is more chronic and the applicant has less control over it, more expensive rates are likely. In cases of permanent AF, life insurance companies will likely decline coverage due to lack of control. The same rules apply for many other types of irregular heartbeat.
Unfortunately, if the root cause of your irregular heartbeat condition is heart disease, there is a good chance you will pay the most expensive rates, and you could very well be declined for a traditional policy, and will need to consider a high risk policy.
We are here to work for you and find the best insurance rates possible for you and your condition. To get started, please give us a call today at 888-411-1329 or simply fill in our quote form on this website. We look forward to getting in touch.
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