Life Insurance with Aneurisms and Vascular Lesions on the Brain
If you have or had vascular lesions on your brain, it’s going to be a concern for life insurance companies. They will worry that the lesions could lead to other more serious problems like an aneurism, a stroke or seizures. However, in many cases, vascular lesions don’t cause any long-term health problems.
As a result, it’s still very possible to qualify for life insurance with this condition. It really depends on your personal situation. To help you predict your insurability, we’ve put together the underwriting guidelines for vascular legions on the brain.
Life insurance is an extremely important safety net that you can buy for your family. When you apply for life insurance, the company is going to look at dozens of different factors to calculate how much you’re going to pay for life insurance coverage. The more risk you are to insure, the more that you’re going to pay for your policy.
If you have a history of aneurisms or vascular lesions on your brain, you may assume that you won’t be able to get the life insurance protection that your family deserves, but that couldn’t be further from the truth. In fact, regardless of your health you’ll be able to get life insurance protection.
Life Insurance Underwriting for Aneurisms and Vascular Lesions on the Brain
When you apply for life insurance with vascular lesions, the insurance agent will need to closely research your condition. You’ll need to answer:
- What type of vascular lesion do you have?
- When were you diagnosed with a vascular lesion?
- Has this condition led to any problems like a clot, hemorrhage or stroke?
- Have you had any treatments for your vascular lesions?
- Do you have any other health problems like high blood pressure, heart disease, high cholesterol or do you smoke?
- Are you taking any medications?
You’ll also need to submit a copy of your most recent brain scan along with your application so underwriters can review the severity of your brain lesions. When you fill out your application, be sure to answer the questions as thoroughly as possible. This is your chance to show that your condition is under control.
Life Insurance Quotes for Aneurisms and Vascular Lesions on the Brain
There are many different types of vascular lesions and a big part of your life insurance rating will depend on your specific condition. Cavernous angioma, capillary telangiectasia, and venous angioma are usually rated the best, especially if you’ve had treatment to remove the lesions.
You may still be insurable even if you’ve had an aneurism, provided you’ve had treatment to remove the problem. Beyond your vascular lesions, your rating will also depend on your general health. While each insurance company has slightly different rules for vascular lesions, here are some general guidelines to help you predict your rating.
- Preferred Plus: Likely impossible for anyone that has or had a vascular lesion. Even if your condition hasn’t caused any issues, insurance companies will be too concerned about future health problems to give you the best possible rating.
- Preferred: Also usually impossible for anyone that has or had a vascular lesion. In very rare cases, you may be able to qualify for a preferred rating if you had a cavernous angioma, capillary telangiectasia, or venous angioma that was treated with no problems and you are in perfect health otherwise.
- Standard: Best likely rating for most applicants that had a vascular lesion. It’s easier to get a standard rating if all you had was a cavernous angioma, capillary telangiectasia, and venous angioma. You could still qualify for a standard rating if you’ve had an aneurism that was treated with surgery and you fully recovered. You should also be in decent health to get this rating.
- Table Rating (substandard): Applicants that had an aneurism will often get a substandard rating. Applicants that have vascular lesions on the brain plus other health problems could also get a substandard rating. Your rating will depend on the severity of your brain condition as well as your overall health.
- Declines: Applicants that had multiple aneurisms, a stroke, or serious hemorrhaging from their lesions will likely be denied. Also, applicants with other serious health problems like heart disease also could be declined.
Aneurism and Vascular Lesions on the Brain Insurance Case Studies
A good application can make a difference for your insurance rating, especially if you have a condition like vascular lesions on the brain. Here are a few real life case studies that illustrate this point.
Case Study: Male, 51 y/o, non-smoker, diagnosed with cavernous angioma at 47, applied for life insurance at 47 and got a bad rating, had lesion removed with surgery at 49
When this client found out he had a cavernous agioma at 47, it prompted him to apply for life insurance right away. Since it was still unclear how serious the problem was, he received a very poor rating and decided not to get a policy. Since then, he had the lesion removed through surgery and had a full recovery. However, he still believed that he couldn’t get affordable coverage. After talking to us, the client realized that now would be a better time to apply. We recommended he also take a new brain scan and submit that with his application to show that he had fully recovered. With this information, he received a Standard rating. This allowed him to get a relatively cheap term life insurance policy and saved him hundreds of dollars a year.
Case Study #2: Female, 58 y/o, had a Berry aneurism at 53, recovered after surgery, former smoker, recently quit and lost weight
This applicant was not in great shape and things got worse when she had a Berry aneurism at 53. This encouraged her to improve her lifestyle. She quit smoking, got her blood pressure and cholesterol under control, and lost a lot of weight. This was a big improvement and helped her avoid further problems. However, when she applied for life insurance, she received many rejections and poor ratings. When we talked to an underwriter at Banner Life Insurance, we found out this was because the insurance companies were putting too much emphasis on her old lifestyle; her poor habits increased the chances of something like a stroke. We recommended she ask her doctor for a note vouching for her better lifestyle and health. With this information, she was able to get a Standard rating.
Many applicants with vascular lesions on the brain were still able to get insured and so can you. Your chances will be even better with our help. We’ll be able to guide your through your application and match you up with the best life insurance companies for your condition.
Even if you’ve been declined for life insurance coverage in the past, we can still help connect you with the perfect life insurance plan to meet your needs. If you’re in poor health or have several pre-existing health complications, you can purchase a no medical exam plan. These plans will give you the protection that your family needs, without being required to take the medical exam.
No medical exams are a great way to get life insurance protection, but there are a few disadvantages that you should be aware of when you’re looking to get life insurance coverage.
The most important disadvantage is that these policies are going to be more expensive than a traditional policy that requires you to take a medical exam. The purpose of the medical exam is to give the insurance company an idea of what your overall health is, but without the medical exam, they are taking a higher risk to give you life insurance.
Another disadvantage is that they will limit how much life insurance coverage you can purchase. With a no medical exam, they will only allow you to buy around $250,0000 without taking a medical exam. If you need more than that, you’ll need to apply for a traditional life insurance plan.
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