Life Insurance Approval with Aortic Aneurysm

in Heart Conditions

Life Insurance Approval with Aortic Aneurysm

We can help you with Life Insurance Approval with Aortic Aneurysm!

Have you been declined for life insurance due to Aortic Aneurysm?

Don’t fret. We can help!

In fact, tough life insurance cases are our specialty at

HighRiskLifeInsuranceAgency.com.

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 Aortic Aneurysm? And if so…

2. How much will it cost?

Can I Qualify for Life Insurance if I have Aortic Aneurysm?

Yes, most individuals with Aortic Aneurysm 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.

How Much Will it Cost?

Best Case Scenario – Best case for Aortic Aneurysm would be one without symptoms, but has been detected early, treated and controlled with medications such as adrenergic blockers or calcium channel antagonists to maintain the normal rate and function of the heart and blood pressure. Most of these cases may qualify for a “Mild Substandard” rating. Click here for quote at “Mild Substandard”.

Moderate Case – Aortic Aneurysm that is detected early and operated via an aortic dissection to remove a blockage or to create a valve graft may qualify for a “Medium Substandard” rating, provided, that 6 months have passed and there are no complications such as infection or hemorrhage.

For those cases that are unoperated, but presents mild symptoms of hypertension, leg pain or back pains, which are relieved by medication, may still qualify for a “Medium Substandard” rating.  Click here for quote at “Medium substandard”.

Severe Case – Severe cases would be the following: Aortic Aneurysm that was operated with less than 6 months post operation, a case after 6 months that presented complications like swelling or bleeding, and an unoperated case with severe symptoms of acute aortic syndromes. The best approval these cases may qualify is at a “Severe Substandard” or worse a decline. Click here for a quote at “Severe Substandard”.

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 (Mild Substandard, Medium Substandard or Severe Substandard), please see the questions below:

When was the diagnosis of Aortic Aneurysm made?

It is very important to establish the date of diagnosis because it will show the progression of the condition. The last medical checkup and the findings, (diameter and location of the aneurysm) since the initial diagnosis will establish the severity of the case.

Have you experienced any symptoms within the last 6 months? 

Symptoms of severe pain at the back or abdomen, hypertension or hypotension, chest pain, difficulty of breathing or loss of consciousness may be signs of an acute aortic syndrome and may get you a “Severe Substandard” rating or even a decline.

Are you currently taking any medications? 

The need for medications for pain and for blood pressure control may show how controlled are your symptoms. Good control even for unoperated cases may get you a “Mild Substandard” rating.

Are you currently smoking?

Smoking shows a significant association with the hardening of the blood vessels, which can aggravate the dilatation and swelling of your Aortic Aneurysm. Depending on the diameter of the aneurysm or stability of the condition, you may either get a “Severe Substandard” rating or even a decline.

Do you have other medical conditions?

If you have diabetes, high cholesterol levels, cerebrovascular disease or coronary artery disease it presents a higher risk of disease progression and may need further evaluation to determine the appropriate rating class.

Have you had any relevant diagnostic tests in the past 12 months? 

Recent diagnostic tests such as ultrasound or CT scan will show the size and progression of the aneurysm.

If you are still unsure which rating class you fall under, we suggest getting a life insurance quote at multiple substandard ratings, so you can familiarize yourself with the range of substandard premiums.

How to Get a Quote

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 Aortic Aneurysm

Aortic Aneurysm is a condition characterized by a pathologic swelling, stretching or dilatation of the segment of the blood vessel called the aorta.

Aortic Aneurysm may be classified in various ways. It can be classified as a true aneurysm (involves the 3 layers of the blood vessel) or a pseudoaneurysm (usually temporary dilatation caused by a blood clot).It may also be classified according to appearance: fusiform aneurysm (entire circumference of vessel affected) or saccular aneurysm (portion of the vessel affected).

Aortic Aneurysm may affect different blood vessels in the body such as the abdominal, thoracic or thoracoabdominal areas. Although the swollen vessel is the primary concern the greater cause of worry is the risk of rupture, which may cause severe pain and in some cases massive bleeding or death.

Symptoms of Aortic Aneurysm depend on the location, but the most common ones include back pain, abdominal pain, nerve compression that may result to leg numbness or pain. Thoracic Aortic Aneurysm may present symptoms of difficulty of breathing, loss of consciousness, hypotension, loss of pulses and weakness.

Related Keywords: aortic aneurysm, true aneurysm, pseudoaneurysm, fusiform aneurysm, saccular aneurysm, abdominal aortic aneurysm, thoracic aortic aneurysm

 

 

Previous post:

Next post:

Copyright © 2012 highrisklifeinsuranceagency.com  |  Privacy  |  Terms and Conditions