How to Get Approved For Life Insurance With Atrioventricular Blocks

by Jeff Rose on October 12, 2017 · 0 comments

in High Risk Insurance

The heart uses an electrical system to set the pace of the heartbeat.

However, if you have an Atrioventricular Block (AV block), a problem impairs this system which can cause an irregular heartbeat and possibly more serious heart problems.

If you have an AV block, it could be an issue when you apply for life insurance. It really depends on the seriousness of your condition and your overall health.

To get ready for your application, be sure to review our guide to life insurance with Atrioventricular blocks. We know that shopping for life insurance is never a fun task, but that’s why we are here to help. It’s our mission to ensure that you’ve gotten the best life insurance policy to meet your need. Life insurance is one of the best safety nets that you can ever buy for your loved ones.

This article is going to explore the ways that you can get quality and affordable life insurance coverage, even with atrioventricular blocks. Not only that, but we will also how you some ways that you can save money on your life insurance coverage.

Life Insurance Underwriting with AV blocks

Life Insurance with Atrioventricular Blocks When you apply for life insurance with an AV block, the insurance agent will need to ask several questions about your condition. Expect to answer:

  • When were you diagnosed with an AV block?
  • What type and degree of AV block do you have?
  • What is your normal, resting heartbeat?
  • Have you had any heart issues like congenital heart failure, coronary artery disease, or a Stokes-Adams attack?
  • Do you have a pacemaker?
  • Do you have any other heart issues or risk factors for heart disease?
  • Are you taking any medications for your heart?

While medications aren’t prescribed for an AV block, your doctor may prescribe medications to prevent heart disease. Common medications for heart disease include: Beta blockers, Nitrates, ACE inhibitors, Digoxin, and Diuretics. All of these medications could be insurable depending on your current health.

Be sure to answer all these questions accurately with as much information as possible. You want insurance writers to feel like they have all the information needed to make a decision based on your AV block.

If your application seems complete, they will get nervous and might give you a worse rating than you deserve.

Life Insurance Quotes with an AV Block

There is a wide range in the seriousness of different AV blocks. A First degree AV block only causes electric impulse that causes your heart to beat to slow down. A Second degree AV block causes the occasional missed impulse while a Third Degree block completely disrupts the impulses of the heart causing the atria and ventricles to beat independently.

A higher degree AV block has a higher risk of heart problems like a heart attack so the higher the degree of your condition, the worse your rating will likely be. A low degree AV block might not have any impact on your rating at all. Insurance underwriters will also consider your overall health to make a decision. While each company has slightly different standards, here are some general underwriting guidelines for someone with an AV block.

  • Preferred Plus: Possible for an applicant with a very mild First degree AV block that is rated benign. This typically happens when someone is very athletic and the AV block is more a sign of them being very fit rather than an actual heart issue. Applicant would need to be in near perfect health and not have any other heart issues.
  • Preferred: Also possible for someone with a First Degree AV block. The AV block should be mild, meaning the P-R electric impulse is no more than 0.29 seconds. The applicant should also be in very good health to get a preferred rating.
  • Standard: Most likely the best possible rating for an applicant with an AV block. An applicant with a First Degree AV block should have a P-R electric impulse no longer than 0.29 seconds. An applicant with a Second Degree AV block should have a resting heart rate higher than 40 and not have any signs of heart trouble, like dizziness and chest pain. An applicant with a Third Degree AV block could get a Standard rating if they figured the cause of the block and treated it, for example the block was caused by a bad reaction to a medication. To get this rating, applicants should also be in decent overall health.
  • Table Rating (substandard): Applicants with a First Degree AV block would likely get a rated policy if their P-R electric impulse is longer than 0.29 seconds. Applicants with a Second Degree AV block may be qualify for rated policies if their heart rates are lower than 40. Applicants with a Third Degree AV block could get a rated policy if the condition has been treated with only minor heart problems.
  • Declines: Applicants with Second and Third Degree AV blocks could be denied coverage if the cause of their AV blocks is unknown. Also, applicants that have a history of heart disease or other risk factors for heart problems could be denied coverage.

AV Block Life Insurance Case Studies

Applying for life insurance with an AV block can be a little tricky because underwriters will be looking more closely at your application. A little preparation though can help increase your chances of getting a good rating. Here are some real life case studies that prove this point.

Case Study: Male, 58 y/o, non-smoker, diagnosed with a Second Degree AV Block at 55, otherwise in good health and no signs of heart trouble

This applicant was in overall good health so it was a bit of a surprise when he was diagnosed with a Second Degree AV Block at 55. The condition wasn’t too serious and his heart rate was above 40. He tried to apply for life insurance immediately after this diagnosis and was denied. At this point, he thought that he wouldn’t be able to qualify for coverage. What the client didn’t realize is that insurance companies often want an applicant to wait a year or two after an AV block diagnosis to make sure no more serious problems develop. We told the client this information and also recommended he get an ECG to show his heart was still in decent shape. When he applied again, the client received a Standard rating.

Case Study #2: Female, 59 y/o, diagnosed with a First Degree AV Block at 56, former smoker, improved health and weight since the diagnosis, taking Beta Blockers and Ace Inhibitors

For many years, this applicant was not taking good care of herself. She smoked, was overweight, and had cholesterol. When she was diagnosed with a First Degree AV Block at 56, it inspired her to live a healthier lifestyle. She quit smoking, lost weight, and started taking medication for her cholesterol and blood pressure. As a result, her AV Block didn’t lead to any more serious problems. However, when she tried to apply for coverage, she only received very poorly rated policies. We thought this was because insurance companies were paying too much attention to her previous bad habits. We recommended she visit her doctor and ask for a note explaining how she because much healthier. With this new information, the client was able to receive a Substandard Level 1 policy, the best rating below Standard.

Getting Affordable Life Insurance Coverage

One of the most common excuses that people give us for not buying life insurance is because they assume that it’s too expensive to fit in their budget. In most cases, that couldn’t be further from the truth. There are several ways that you can get cheaper life insurance coverage.

The first thing that you should do is cut out any tobacco that you currently use. If you’re listed as a smoker or tobacco user on your life insurance application, then you’re going to pay a lot more for your insurance coverage versus what you would pay if you didn’t use tobacco. In fact, smokers are going to pay at least twice as much for their life insurance coverage. Kicking those bad habits is going to save you thousands and thousands of dollars on your life insurance plan.

Another way that you can save money is to improve your overall health. Before the insurance company approves your application, they are going to require that you take a medical exam, unless you have chosen to purchase life insurance with no medical exam, which will come at a higher premium rate. The results of the medical exam are going to play an important role in how much you pay for your coverage. If you want to save money, you’ll need to get better results from the medical exam. It’s time to start hitting the gym and cutting out the junk food.

Don’t let your AV Block get in the way of your life insurance goals. While it might be a challenge, you could still get coverage at a fair price. We can help. Our company specializes in finding insurance for applicants with an AV Block. We can help your prepare your application plus match you up for the best companies for your needs.

For more information and free rate quotes, please call or fill out our online application form.

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