Life Insurance With Enlarged Heart (Left Ventricular Hypertrophy)

by Jeff Rose on April 25, 2017 · 0 comments

in High Risk Insurance

Life insurance is one of the most important purchases that you’ll ever make for the future of your loved ones. Nobody wants to think about his or her own death, but it’s vital that you plan for the worst. Buying life insurance doesn’t have to be a long and difficult process.

If you have an enlarged heart due to left ventricular hypertrophy, it’s going to be an issue for life insurance. Insurers will see this condition and worry that it could lead to more serious heart problems in the future. You may still be able to get insurance coverage though, especially if you put together a well-planned application. If you’ve ever been told that you can’t get life insurance because of your condition, or you assume that a life insurance policy is going to be too expensive, you couldn’t be further from the truth. Regardless of your health, we can give you several options for affordable life insurance coverage.

To help you get ready, we’ve put together a guide to the underwriting standards for someone with an enlarged heart due to left ventricular hypertrophy.

Life Insurance Underwriting With An Enlarged Heart

life insurance with an enlarged heartWhen you apply for life insurance with an enlarged heart, your insurance agent will ask you several questions about your condition. Be prepared to answer:

  • When were you diagnosed with an enlarged heart?
  • What caused the left ventricular hypertrophy?
  • What is your CT ratio and what is the thickness of your left ventricular wall?
  • Did you ever have surgery to treat your condition?
  • Do you have a family history of heart disease?
  • Do you have any other risk factors for heart disease like smoking, high cholesterol, or high blood pressure?
  • What medications are you taking for your condition?

Common medications for an enlarged heart include: Beta blockers, Nitrates, ACE inhibitors, Statins, and Diuretics. All of these medications could be insurable depending on the severity of your condition.

As you complete your application, be sure to answer all these questions in complete detail. This is your chance to show the underwriter that your heart condition is under control. Also, if your application seems incomplete, the underwriter could decline your policy or give you a bad rating.

Life Insurance Quotes With An Enlarged Heart

An enlarged heart on its own isn’t fatal. It’s a problem for life insurance though because this condition tends to lead to heart failure; the heart needs to work harder because of the hypertrophy. Typically, an enlarged heart is a result of high blood pressure or heart disease, other problems for life insurance. In rare cases, it can be a result of genetics or too much exercise.

Underwriters will want to know the seriousness of your left ventricular hypertrophy and also see if you have any other risk factors for heart disease to determine your insurance rating. While each of the insurance carriers has different standards, here are some general underwriting guidelines to help you predict what rating you’ll receive.

  • Preferred Plus: Generally impossible. An enlarged heart comes across as too much of a potential health risk for an applicant to get the best insurance rating.
  • Preferred: Possible in very rare cases. The applicant must be in great health or have no other health risks for heart disease. Applicants that have an enlarged heart from exercise or genetics are more likely to receive this rating than applicants that have an enlarged heart from high blood pressure.
  • Standard: Most likely the best rating for an applicant with an enlarged heart. The applicant’s CT Ratio should be below 53% with a left ventricular wall no thicker than 13 mm. Applicant should also be in decent health and not have any serious risk factors for heart disease.
  • Table Rating (substandard): Most applicants with an enlarged heart. The rating will depend on the applicant’s CT ratio, ventricular wall thickness, whether the applicant needed surgery, and whether the applicant has other risk factors for heart disease.
  • Declines: Applicants with severe hypertrophy, a ventricular wall thicker than 17 mm. Also applicants with a CT ratio over 57% or with other strong risk factors for heart disease like very high blood pressure or a family history of heart problems.

What is great about working with an independent agent.

Enlarged Heart Life Insurance Case Studies

Your life insurance application can make a big difference when you apply with an enlarged heart. Here are a couple real life case studies to show you the importance of a good preparation.

Case Study: Male, 66 y/o, diagnosed with an enlarged heart at 63, caused by high blood pressure, former smoker, taking Beta Blockers and Ace Inhibitors,

This applicant had high blood pressure for several years and didn’t do enough to treat this issue. It eventually led to left ventricular hypertrophy at 63. He also smoked, which certainly wasn’t helping his heart. At this point, the applicant turned things around. He started taking medication to treat his blood pressure, quit smoking, and started exercising. This helped his health, even if he still had to deal with an enlarged heart.

However, when he applied for life insurance, he could only receive extremely expense, rated policies. We believed that insurance companies were not giving enough credit to his lifestyle improvements. We recommended he see his doctor and get a note vouching for his improved health and better lifestyle. With this note, the applicant reapplied and got a substandard level 1 policy, one level below a standard rating.

Case Study #2: Female, 58 y/o, diagnosed with an enlarged heart at 56 due to genetics, otherwise in great health.

This applicant was in near perfect health when she was diagnosed with an enlarged heart at 56. This was a case of bad luck and genetics rather than a sign of heart disease. However, when this client tried to get life insurance, she only received rated policies. We suggested she get an EKG to test the strength of her heart. The test showed she was in good health and had no complications due to her condition. By reapplying, she was able to receive a discounted preferred rating.

An enlarged heart doesn’t have to get in the way of life insurance coverage. By following this advice, you’ll increase your chances of getting a fair rating. To make sure you handle everything properly, it helps to work with a professional broker. Our company specializes in finding coverage for applicants with an enlarged heart.

Working With An Independent Insurance Agent

One of the best ways to get affordable life insurance is to work with one of our independent insurance agents. We can help you compare dozens of highly rated companies across the nation, which means that we can bring all of the lowest insurance rates directly to you. Every insurance company is different, which means all of the companies are going to view an enlarged heart differently. You could receive drastically various rates depending on which company that you receive the quote from.

Some insurance companies are going to view your diagnosis more favorably than other companies, which means that they will give you much lower rates. If you want to save money, you’ll need to receive dozens of quotes before you pick the one that’s going to work best for you. There are thousands of companies on the market, instead of wasting your time calling all of those companies, let us do all of the work for you.

Unlike traditional insurance agents, we work with dozens of highly rated companies across the nation, and we can bring all of the best rates directly to you. It’s our mission to ensure that you’re getting the best rates for the insurance protection that your family deserves.

Aside from bringing you the lowest premiums rates, our agents can help you decide which kind of policy is going to meet your needs. It can be difficult and confusing trying to decide between the difference kinds of plans, but we can answer any questions that you have and help you decide which one will give your family the perfect protection.

Because you can’t predict the future, you shouldn’t wait any longer to get a quality life insurance plan in place. If you were to pass away, your loved ones would be left with all of your debts and final expenses, which can easily add up to hundreds of thousands of dollars. All of that debt can make an already difficult situation a thousand times worse. If you have a life insurance plan, your loved ones will have the money that they need to pay off those bills and make the process as easy as possible.

We can guide you through the process, make sure you fill out a great application, and match you up with the best insurance companies for your situation. To learn more and find free rate quotes, call or fill out our Compare Quotes form today.

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