When shopping for life insurance, a history of aneurysm can complicate the process. If you currently have had an aneurysm, getting life insurance can be more difficult.
Depending on the specific details of your aneurysm, it may or may not exclude you from the best life insurance rates and policies. However, there are still insurance companies that will offer favorable rates for those with aneurysm.
The question is, what is the best life insurance company for an Aneurysm? Today, we’re going to go over the 7 easy steps to get the best rate and find the right life insurance company for an aneurysm. You can also complete our Instant Quotes form on this page, and we can find the best life insurance rates available for you in your area.
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How to Buy Life Insurance After an Aneurysm?
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Purchasing Life Insurance after Having an Aneurysm
Purchasing life insurance after having an aneurysm can be challenging and costly. That is unless you are informed of the process. Oftentimes, people pay excessively for life insurance, simply because they have restricted their options to only one insurance company.
Best Life Insurance Company for Aneurysm?
Life insurance companies cater to specific “niches” in order to be the top carrier in specific markets. So certain life insurance companies may be better for certain conditions. In other words, there is no best company for Arthritis, Colitis, Cardiomyopathy….or Aneurysm. It ultimately comes down to your specific health & lifestyle — and matching it with the company who will offer you the best rate.
We represent the best medical and non medical life insurance companies. We provide you a lot of choices because we work with over 60 life insurance companies. This way we’re able to align the perfect insurance company to every client. That’s how we help you find the most effective life insurance rates and estimates after suffering an aneurysm.
Life insurance with an aneurysm
When you leave the hospital, the shock of having an aneurysm does not end there. By having an aneurysm on your medical record, it can affect your eligibility for life insurance for a long time. Of course this doesn’t imply that you will likely be refused a life insurance policy; it just may be more difficult or more costly to get life insurance coverage.
Life insurance companies typically look at an aneurysm as a high risk case. Learning more about what to anticipate when applying for life insurance after an aneurysm can help you to get the best coverage for your type of situation.
The key risks related to an aneurysm
Life insurance agencies always assess risks. Your aneurysm is simply a different type of risk. You’re in danger of your aneurysm bursting or hemorrhaging when you’ve got an aneurysm. This is really dangerous if not found out quickly – it may even be life threatening.
There is a variety of aneurysms, all with distinct risks. Life insurances agencies will treat each kind of aneurysm separately.
- Cerebral Aneurysm- A brain aneurysm.
- Thoracic Aortic Aneurysm- An aneurysm that’s found in the chest.
- Abdominal Aortic Aneurysm- An aneurysm in or close to the pelvis or abdominal region.
If I’ve had an aneurysm before, will I qualify for life insurance?
Although having an aneurysm is a very difficult experience, getting life insurance should not be so. It doesn’t mean you will be disqualified for life insurance when you have had an aneurysm before.
The great news is the fact that lots of people that have had an aneurysm previously can be eligible for a regular coverage. Your life insurance company will probably ask you several questions to find out the present risk factor of your aneurysm. Some of these questions could be:
- When did you first find out you had an aneurysm?
- How long have you lived with an aneurysm?
- Did your aneurysm ever rupture?
- Was your past aneurysm operable?
- Are there any other health problems associated with your aneurysm?
- Have you had check-up evaluations in the past one year? If so, what were the results?
- What does your doctor say about your present health?
Underwriting
A life insurance underwriter will select whether to underwrite and offer a life insurance plan after finding out additional information regarding your present medical state.
Like most medical conditions, an aneurysm may be viewed as typical, moderate, or serious. If you had a minor aneurysm in the past, was detected early and operable, and now you’ve been better for more than one year, then you certainly have an excellent possibility of qualifying for standard life insurance. As can be seen with most factors, you may not be disqualified just because you have an aneurysm, however a mixture of other things could. For instance, if your aneurysm resulted in a stroke, then you definitely have a more difficult time when applying for life insurance.
With a lot of things in your medical history, the longer in the past your aneurysm happened (and you have been otherwise healthy), the better your chances of qualifying for life insurance. The more time lapse between when you make an application for life insurance, and when you had an aneurysm, then the more time you have to show that you’re healthy and out of the danger zone.
I just had an aneurysm, what do I do now?
Having an aneurysm can be close encounter with death. After surviving such an affliction, the uncertainties of what could have happened can have you considering life insurance for the very first time. Purchasing life insurance after an aneurysm is a responsible and smart choice. Nevertheless, it might not be the best time to apply as you’re now considered a high risk. However, waiting to apply is not a good option- after all, you need to have life insurance coverage now!
So what is the alternative? For the time being, you might want to think about obtaining a Final Expense life insurance plan that will not need information about your medical history. The benefit amount will not be a full as much as an underwritten policy, but nonetheless you’ll be ensuring your loved ones are taken care of should another unforeseen event happen.
Securing a Final Expense plan will provide some coverage now. You can then apply for additional coverage once some time has passed. You’ll then have an opportunity to shop from different life insurance types.
how do I know which life insurance company to insure with?
Applying for a life insurance plan could be somewhat of an ordeal. There are several choices out there, but which one is right for you? Your situation is quite exceptional.
How to get the best rate?
Who will get you the best rate when you’ve had an aneurysm? For example, will Protective or some other company like ANICO, Globe Life, or Midland National get you the best deal? If you want to make sure you’re getting the best life insurance policy available, here’s what you need to do…
Step 1
Do This Now
You’ll see our instant life insurance calculator where you will compare rates from dozens of the top companies.
Nothing too complicated, it just needs the basics about what you’re wanting, how much coverage, for how long, etc. That way we can understand your situation before we can help you.
Complete the calculator details as accurately as possible, and be absolutely sure your contact information is correct so we can reach you.
Step 2
Here's what will happen next
Once you’ve filled out the calculator, one of our licensed life insurance agents will reach out to you to provide you all your options and plan out who will provide you the best rate based on your specific health and lifestyle.
All of the recommendations will be based off of the details you provide. It’s very important that you’re honest and answer your agent’s questions accurately.
This is where we really begin working to figure out exactly which company will get you the best rate, and how to make it happen. There are literally hundreds of companies and thousands of policy options available. We’ll make sure you get the best one.
Bottom line
In the event you have had an aneurysm, you must be sure the life insurance company you choose to go with understands your needs. That is the reason you should to turn to Life Insurance Blog. We know that having an aneurysm is quite a difficult situation. You do not need the additional pressure of attempting to wade through the never-ending life insurance choices out there. We listen to you personally and assist you in choosing the right life insurance firm that will be quite suitable to your budget, as well as your needs.
Thanks for reading our post, Purchasing Life Insurance after Having an Aneurysm. To learn more about life insurance, make sure to visit our page Life Insurance 101 or find out how much you may end up paying for coverage on our Life Insurance Rates by Age page.
What’s an Aneurysm?
When someone is suffering from an aneurysm, his/her vein is not consistent in width. There is a bulge in the vein. The vein sort of looks like a snake that has swallowed a big rodent. An otherwise slim body is interrupted with a sudden swelling in an isolated place. That is just how an aneurysm looks; except the pouch in your vein is filled with some blood. Aneurysms could be dangerous and even life threatening if they were to break open. This is especially true if this takes place in your lungs or brain.
There are times when individuals live with an aneurysm for a lot of years without actually knowing it. Others find out they have an aneurysm, but have what’s recognized as an inoperable aneurysm. When this occurs, you don’t have any other option other than to live with it, not knowing if or when it’ll burst out. Many people refer to this as walking around with a ticking time bomb. As you can imagine, in this kind of circumstance, it might not be easy to get qualified for a life insurance plan, but it is still possible.
