You may also think it is impossible to get a life insurance approval with an aortic aneurysm. However, this is not always the case!
If you know someone with an aortic aneurysm, you understand how serious this condition can be! We had a close friend, who was almost killed by an aortic aneurysm following a normal pregnancy. It was a scary time for her and her family; a death outcome was real at the time. Thankfully, she survived and is now doing well; her daughter is a beautiful bundle of activity every day!
In this article, we will walk you through some considerations that will affect your ability to get life insurance with this medical condition. But before we go any further, we want to assure you that, in almost all cases, our agents at Life-Wealth-Win can get you life insurance if you have been diagnosed with an aortic aneurysm.
Can I Qualify For Life Insurance with Aortic Aneurysm?
Usually, you can qualify for a traditional life insurance plan if you have an aortic aneurysm. The insurance company will likely have you perform a medical exam that will accompany your life insurance application.
It may not be in your best interest to get your life insurance from a single company (often the expensive kind you see advertised on television). These are called “captive agencies” and their hourly paid employees sell only their own limited line of insurance products. This may severely restrict your life insurance qualification options, result in you paying higher premiums, or get you denied for life insurance coverage.
Working with an independent life insurance agency, such as Life-Wealth-Win, with access to many different insurance companies will be your best bet to get affordable life insurance coverage.
How Much Is It Going To Cost To Get A Life Insurance with Aortic Aneurysm?
Life insurance with an aortic aneurysm is possible (as is life insurance with abdominal aortic aneurysm in the past). It all depends on your medical history and the severity and size of your aneurysm. I will try to break this down a little bit to help you understand your options:
Best Case Scenario – If you have an aortic aneurysm with no symptoms that was detected early and has been treated and controlled with medications or surgery, you may qualify for a better life insurance class rating.
To get a better life insurance class rating, have your condition controlled with medications and show you can maintain a normal heart rate and function for an extended period.
Because there is a high death rate when an aneurysm ruptures, it may be difficult to obtain life insurance through some life insurance companies.
Some companies view this medical condition more favorably than others. Working with a life insurance agent, who has business relationships with many insurance companies, will always provide you with more options to get life insurance coverage.
Some insurance companies will make you wait up to two years before considering you for any term life insurance. They will likely want to see that multiple CT scans and ultrasounds have been performed to determine that your aneurysm has not increased in size since your original diagnosis.
Moderate Case Scenario – If you have an aortic aneurysm detected early and removed surgically (aortic dissection), you may qualify for a moderate life insurance class rating. Generally, six months must have passed with no complications, infections, hemorrhages, or any other issues to be considered for the most affordable insurance plans.
If you have not been operated on to remove your aortic dissection, and you have medically controlled hypertension, back pain, or leg pain, you may still qualify for a better life insurance class rating.
Worst Case Scenario – Many would incorrectly think you cannot get life insurance if you have a severe aortic aneurysm case; this is not true. You will likely have difficulty qualifying for a more traditional coverage option, but you would be eligible for a graded death benefit or guaranteed issue policy.
Remember that graded life insurance policies will have lesser guaranteed coverage face amounts.
If you have been operated on for this condition or had any complications, like swelling or bleeding within the last six months, a graded life insurance policy or guaranteed issue life insurance policy is often available. You can always apply for better coverage as time goes on and your condition improves or remains stable.
Life Insurance with Aortic Aneurysm – Rate Class
This is where a knowledgeable independent life insurance agent, such as Life-Wealth-Win, can help you best understand your options. If you have had an aortic aneurysm, you will need a great life insurance agent helping you to get you the best plan and the best rates!
When Were You Diagnosed with Aortic Aneurysm?
When looking for life insurance with an aneurysm in your medical history, perhaps, one of the most important questions an insurance company underwriter will ask is “When were you diagnosed?” This may determine whether to issue you a life insurance policy. Your answer to this question will help the insurance writer understand the stability and progression of your medical condition.
The insurance company will also look at your past medical records, and the location and the diameter of your aneurysm.
The time from your initial diagnosis is a critical factor in determining what rate risk class you will qualify for a life insurance policy. The more time that has passed and the more stable your medical condition, the better rate class you can receive.
Have You Experienced Any Symptoms Recently?
An aortic dissection is a significant health risk, and adding other health risks will make it more difficult to get a life insurance policy.
If you have had any hypertension (high blood pressure), difficulty in breathing, chest pain, loss of consciousness, or numbness or tingling in extremities, these may cause you to get a lower life insurance class rating (or even a decline of coverage).
Do You Have Any Other Medical Conditions?
The insurance companies will be interested in any details about other medical issues going on in your body. Some medicines have side effects that can also cause serious health concerns when added to an aortic dissection diagnosis.
Are You Taking Any Other Medications?
If you are taking medications for blood pressure control or to control pain, the insurance company must know this so they can understand how well controlled your aortic dissection and symptoms are. If you have good control in these health areas, then you may still qualify for a moderate life insurance risk class rating (even when you have undergone surgery).
If you are taking medicines for high blood pressure, pain relief, or other medical conditions, the insurance companies will review these medications and for any negative health results.
Are You A Smoker?
Smoking has many negative effects in your body and circulatory system!
Smoking can harden blood vessels and affect the stability and swelling of your aortic aneurysm. The diameter of your aneurysm and the stability of your aneurysm will be the two main factors that determine your insurance rate class, what your rates will be, or if you will be declined for coverage.
Smoking can also influence and extend your recovery time after having any surgery, including an aortic aneurysm surgery.
Even if you have no aortic dissection, smoking can raise your life insurance rates 2 to 4 times, depending on the life insurance company.
Do You Have Any Other Medical Problems aside form Aortic Aneurysm?
The insurance companies will look at all other medical conditions happening within your body when determining whether to issue you a life insurance policy. Any recent diagnostic tests, such as CT scans or ultrasounds, will help establish the size and progression of an aneurysm.
If you are unsure of which rating class you may qualify for, Life-Wealth-Win can help you understand your life insurance options.
More Facts About Aortic Aneurysms:
Your arteries are blood vessels that carry your oxygen-rich blood from your heart to other parts of your body, so your body can function correctly.
An aneurysm is a bulge in the wall of an artery. A good visual would be to visualize a long slender balloon that, as you fill it with air, develops a bulge in the middle.
If an aneurysm grows large enough, just like a balloon that has too much air pressure, it can burst and cause significant internal bleeding or death.
Aortic aneurysms are the most common form of an aneurysm. They occur in the main artery that travels from your heart through your chest and down into your abdomen.
There are two types of aortic aneurysms:
Thoracic Aortic Aneurysm – These aneurysms show up in the part of your aorta that runs through your chest cavity.
Abdominal Aortic Aneurysm – These aneurysms show up in the part of your aorta that runs through your abdomen.
Over 75% of aortic aneurysms are called abdominal aortic aneurysms.
You can have an aneurysm in any blood vessel, but aneurysms generally occur in the belly or chest area. This is where the main arteries and blood vessels responsible for carrying blood to the other parts of your body are located. When an aneurysm bursts, it can cause massive bleeding, a stroke, or other serious life-threatening conditions.
Aneurysms symptoms range from none to very mild symptoms.
When a part of the wall of an aorta becomes weakened, it can develop a bulge outward as blood is pumped through your veins to the rest of your body. If it is a small bulge, it is called an ectasia. If it is a larger bulge (over 1.5 times the size of your aorta in that area of your body), it is called an aneurysm.
Usually, you will not know that you have an aneurysm.
Some people are more susceptible to aneurysms if they have a family history of aortic aneurysms. If you have a family history of aortic aneurysms, you should talk to your doctor about getting screened and having additional tests run, just to be on the safe side. Your doctor will use imaging equipment and other medical procedures to locate any potential aneurysms.
Routine physical checkups are a good preventive measure if you have a family history of aneurysms. Most aneurysms are identified during medical examinations or tests for other medical conditions; medications and surgery are the two main methods of treatment for aortic dissection.
We can get you life insurance if you have had an aneurysm within your body. If you have been diagnosed with an aneurysm or have survived a medical emergency because of an aneurysm, you are a lucky person! Let’s work together to find you the best coverage and pricing for the life insurance you need and deserve.
Life-Wealth-Win Life Insurance and Wealth Services would love to help you get your loved ones, family, and business protected! Call us or get your free life insurance estimate by clicking the link below.