Have you been declined for life insurance due to Asymmetric Septal Hypertrophy?
The good news is there is hope.
At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.
Our 2 Minute Promise
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Asymmetric Septal Hypertrophy? And if so…
2. How much will it cost?
Yes, most individuals with Asymmetric Septal Hypertrophy 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 – The age and presence of symptoms like chest pain or fainting spells will determine a best case scenario. People should be older than 30 years old and must be asymptomatic to get a “Medium Substandard” rating. Click here for quote at “Medium Substandard”.
Severe Case – A severe case would be the diagnosis of Asymmetric Septal Hypertrophy before the age of 30. These cases will automatically be declined.
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 if you will qualify for a “Medium Substandard” rating, please see the questions below:
At what age were you diagnosed with Asymmetric Septal Hypertrophy?
Asymmetric Septal Hypertrophy diagnosed before the age of 30 will automatically get a decline. If you are above 30 years old, you may get a “Medium Substandard” rating as long as you are asymptomatic.
Have you experienced any symptoms within the last six months?
Symptoms of fatigue, dizziness or palpitations may be flare signs, which may get you a decline even if your Asymmetric Septal Hypertrophy has been diagnosed after the age of 30.
Are you taking any medications?
The need for medications for heart conditions like chest pain, palpitations or shortness of breath may automatically get you a decline whether you are below or above 30 years of age.
Do you have regular check-ups with your cardiologist?
Regular visits to your doctor are very crucial especially if your Asymmetric Septal Hypertrophy was diagnosed after the age of 30.
Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory and diagnostic tests such as 2D echocardiogram, CT scan or MRI will show the condition of your heart. Normal results will confirm your claim of absence of symptoms.
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.
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 Asymmetric Septal Hypertrophy
Asymetric Septal Hypertrophy, also known as hypertrophic cardiomyopathy is a disorder of the heart muscle (myocardium) characterized by an unknown, abnormal thickening (hypertrophy).
This condition is genetically associated, and is the most common cause of sudden cardiac death in all age groups, most significantly in young people.
People with Asymetric Septal Hypertrophy are commonly asymptomatic, but for those with symptoms, they present shortness of breath, chest pain, dizziness or lightheadedness, palpitations, fainting spells and generalized fatigue.
Related Keywords: Asymmetric Septal Hypertrophy, hypertrophic cardiomyopathy, HCM