It’s Possible To Get Life Insurance with a High Calcium Score

by Jeff Rose on August 10, 2017 · 0 comments

in High Risk Insurance

high calcium score life insuranceDoctors often check the calcification levels in your arteries as this helps predict your risk of heart disease.

They can use noninvasive tests like the Electron Beam CT (EBCT) and Multislice CT (MSCT) to determine your calcium scores.

If you’ve ever had one of these tests, insurance companies will be able to see the results and this will be a factor for your insurance rating.

To figure out how your calcium score impacts your ability to get life insurance, be sure to review our complete guide to life insurance with high calcium scores.

We know that shopping for life insurance coverage is not a fun experience, but that’s why we are here to help. It’s our mission to ensure that you’re getting the best insurance plan for you and your family. When you apply for life insurance, the company is going to look at dozens of different factors when reviewing your application, and one of those is your health. This article is going to explore how you can get excellent and affordable life insurance with a high calcium score.

Life Insurance Underwriting for Calcium Scores

When you apply for life insurance, after you’ve had your calcium score tested, the life insurance agent will ask several questions about the results. Expect to answer:

  • When did you have your EBCT or MSCT?
  • What was your total calcium artery score?
  • Have you had any other heart tests like a stress test, stress echocardiogram and/or coronary angiogram? What were the results of these tests?
  • Do you have any other risk factors for heart disease like high cholesterol, smoking, or a family history of heart disease?
  • Do you have any other serious health problems like cancer?
  • Are you receiving any treatments or taking any medications for your condition?

While there are no specific medications to treat your calcium levels, you could be taking various heart medications. Common medications for heart disease include: Beta blockers, Nitrates, ACE inhibitors, Digoxin, and Diuretics. All of these medications could be insurable depending on your overall health.

Be sure to answer all the questions on your application truthfully with as much information as possible. Insurance underwriters get nervous when an application seems incomplete and might give a worse rating than you deserve.

By filling a complete application, you give yourself the best chance of getting a fair rating.

Life Insurance Quotes for Calcium Scores

Doctors test your calcium score because this information is a good predictor of future heart problems. They have found that the higher your calcium score, the more likely your arteries will build plaque which could lead to blockages and heart problems. As a result, a higher calcium score is worse for your insurance rating.

Insurance companies also consider your age as they are more tolerant of higher calcium scores for older applicants. They will also consider your overall health to make a decision. While each company has slightly different standards for calcium scores, here are some general guidelines that will help you predict your rating.

  • Preferred Plus: Possible for an applicant that shows no sign of calcification or an applicant older than 35 with very little calcification, usually a CACS score lower than 10. Applicant should also be in near perfect health and have no risk factors for heart disease.
  • Preferred: Also possible for an applicant that shows no sign of calcification or an applicant older than 35 with very little calcification, a CACS score lower than 10. Applicant should also be in very good health but it’s a bit easier to get this rating than Preferred Plus. Applicants can have some very minor issues like being slightly overweight or having cholesterol a bit high.
  • Standard: Applicants that are older than 35 and have low levels of calcium could also qualify for a standard rating. This would be CACS levels anywhere from 5 to 50. Older applicants have more leeway and could qualify for a standard rating with higher calcium levels. To qualify for a standard rating, applicants who are younger than 35 cannot show any signs of calcification.
  • Table Rating (substandard): Applicants showing signs of calcification are most likely to get a rated policy. Applicants younger than 35 must have CACS levels lower than 10 to qualify for a rated policy. Applicants between 35 and 44 must have CACS levels lower than 400, applicants between 45 and 64 must have CACS levels below 1,000, and while there is no CACS limit for applicants older than 65. The lower your CACS levels, the better your rating will be. Your table rating will also depend on your other risk factors for heart disease and overall health.
  • Declines: Applicants with CACS levels above the accepted limit for their age group will be denied a policy. Also, applicants with other heart issues or risk factors may also be denied as these problems combined with calcification could be too much for an insurance company to accept the risk.

Calcium Score Life Insurance Case Studies

Your insurance application can make a big difference for your insurance rating, especially if you have an issue like high calcium scores. Here are a couple real life case studies that prove this point.

Case Study 1: Male, 38 y/o, non-smoker, test for low levels of calcium at 34, tried to apply for life insurance and was denied.

This applicant had his calcium levels tested at 34 and unfortunately showed a low level of calcification, CACS of 11. He tried to apply for life insurance immediately after this test and was denied coverage. At this point, he thought that he would never be able to qualify for life insurance. After reading our website, he realized that he just applied too young given his calcium levels. Now that he was in a different age category, his chances were better. We also referred him to a company that regularly handles applicants with high calcium levels and was more accepting of this risk factor. By trying again this time, the applicant received a rated policy.

Case Study #2: Female, 58. Diagnosed with CACS of 500 at 54, former smoker and used to be overweight, now taking medication for cholesterol and high blood pressure.

For years, this applicant wasn’t taking good care of herself. She was overweight, smoked, and wasn’t treating her high cholesterol and blood pressure. After an EBCT showed that her calcium levels were quite high, she decided to improve her lifestyle. She lost weight, quit smoking, and started taking the right medications and this made a big difference for her health.

However, when she applied for life insurance, she couldn’t get a policy. Even though this applicant had an acceptable calcium score for her age group, we thought insurance companies were too worried about her previous risk factors. We recommended she see her doctor and get a note vouching for her better health. With this extra information, the applicant received a rated policy.

Getting Better Rates with a High Calcium Score

One of the most common reasons that people don’t buy life insurance is because they assume that it’s going to be too expensive to fit in their budget, but in most cases, that couldn’t be further from the truth. Regardless of your health or any pre-existing condition that you have, it’s possible to get affordable and quality life insurance protection for your loved ones. Making a few simple lifestyle changes can help save you thousands of dollars every year on your plan.

The first thing that you should do if you want to save money is cut out the cigarettes. If you’re a smoker, you should expect to get much higher premiums for your life insurance plan. Smokers are going to pay at least twice as much for coverage.

The next thing that you should do is improve your health. Before the company approves your application, they are going to require that you take a medical exam. That means that better health equals better premiums rates. It’s time to start getting exercise and sticking to a healthy diet. Both of these will help you lose weight, lower your blood pressure, and much more. All of those are going to translate into lower rates for your plan.

The best way to ensure that you’re getting the lowest premiums is to work with one of our independent insurance brokers. Our agents have years of experience and we know which companies are going to give you the best rates as an applicant with high calcium scores. Instead of wasting hours and hours trying to find the best plan for you, let one of our agents do all of the hard work for you.

High Calcium Score Doesn’t Mean you Can’t Get Life Insurance

The right preparation makes a big difference. If you’re in this situation, we can help. We can guide you through your application and match you up with the best companies for your needs. If you can’t qualify for a regular policy, we can find you a guaranteed issue policy.

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

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