Finding an affordable life insurance policy with Cardiomyopathy can be quite the challenge.
Don’t fret. We can help! At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.
Your Answers in 2 Minutes
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Cardiomyopathy? And if so…
2. How much will it cost?
Yes, most individuals with Cardiomyopathy will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you will need to speak with a knowledgeable, independent agent, who is licensed with several life insurance companies for your best chance at approval.
Best Case Scenario – Cardiomyopathy that is detected early in its early stage where tissue and heart muscle scarring is very minimal may earn the best rating of “Mild Substandard”. It is, however, important that diagnostic exams will prove minimal damage to the heart, and the symptom of difficulty of breathing or chest pain is controlled. Click here for quote at “Mild Substandard”.
Moderate Case – Those cases whose symptoms of chest pain, irregular heart beat and shortness of breath are mostly controlled may still qualify for a “Mild Substandard” health class. Click here for a quote at “Mild Substandard”.
Severe Case – Cardiomyopathy cases with severe and recent complications that are confirmed by diagnostic exams may still qualify for a “Severe Substandard” rating. Provided, however, that there is no immediate life threatening episode in the last 3 months. Click here for a quote at “Severe Substandard”.
For those cases that have flare signs of an impending heart failure or heart attack, will get an automatic decline.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (medium substandard or severe substandard), please see the questions below:
How many years have you been diagnosed with Cardiomyopathy?
Cardiomyopathy is a non-reversible condition, but the progressive damage to the heart muscles can be prevented, and the symptoms of chest pain and irregular heart beat can be controlled. Longevity of the condition, however, increases the probability of complications like heart failure. The earlier the diagnosis and control is, the better the chance of getting a good rating.
Have you experienced any symptoms within the last six months?
Symptoms of shortness of breath or chest pain may be flare signs of a worsening condition. These symptoms may be warning signals of an impending heart attack, which may cause a “Severe Substandard” rating or in worst cases a decline.
You also might be interested in reading this article Life Insurance Approval with Cardiac Arrhythemia
Are you taking maintenance medications?
The need for appropriate medications is very vital in Cardiomyopathy because there are numerous drugs that can cause further damage to the heart muscles if taken without doctor’s advice. This could mean a “Severe Substandard” rating or a decline depending on the severity of complications due to unmonitored self-medication.
Do you have regular check-ups with your cardiologist?
Regular visits to your doctor may mean that your condition is controlled because drug administration is monitored and life insurance companies see this as a good sign.
Have you had any relevant diagnostic tests in the past 12 months?
A simple and recent ECG exam will be the best way to assess your actual heart condition. This may also confirm your compliance with your physician’s management.
Have you modified your lifestyle to suit your heart’s needs?
Healthy diet, regular and doctor advised exercise and stress-free activities are helpful and may get you a good rating. But, smoking, alcohol and night life activities may get you a decline.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “standard” to “severe standard” so you understand the range of possibilities.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Cardiomyopathy
Cardiomyopathy is a disease of the heart muscles (myocardium) that is not due to any congenital or acquired condition, coronary arterial illness, hypertensive disorder or pericardial abnormalities.
The 2 types of Cardiomyopathy can either be (1) the primary Cardiomyopathy, which involves the disease of heart muscle due to an unknown cause or because of genetic history; and (2) secondary Cardiomyopathy is a disease of the heart muscle associated with a systemic, metabolic or infective disease or as a result of toxicity to drugs or alcohol.
The structure of the heart muscles become scarred (myocardial fibrosis) as a result of the disease, therefore, creating a measurable deterioration of its function. The scarring causes blockage of blood flow to the heart that leads to ischemic cardiomyopathy.
Common symptoms of cardiomyopathy include shortness of breath (breathlessness), difficulty breathing (dyspnea), swollen legs, chest pain, irregular heart beat and in severe cases cardiac arrest.
See our other articles on heart disorders and CLICK HERE