Have you been declined for life insurance due to Atrial Septal Defect?
The good news is there is hope.
Indeed, we help individuals of all ages and all sorts of medical conditions at High Risk Life Insurance Agency.
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 Atrial Septal Defect? And if so…
2. How much will it cost?
Yes, most individuals with Atrial Septal Defect will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you’ll need to apply with a life insurance company that is accustomed to impaired risk cases, not an auto insurance company that just happens to also offer life insurance.
Best Case Scenario – Atrial Septal Defect with a small heart opening, with no diagnostic abnormal findings and has been stable for at least 2 years since diagnosis, may qualify for a “Standard” rating. If, however, symptoms of frequent lung infection or arrhythmia are detected or a mild complication of hypertension is noticed, the best rating may be at “Mild Substandard”. Click here for quote at “Standard” or “Mild Substandard”.
Moderate Case – Those with moderate but manageable symptoms of pulmonary hypertension may still qualify for a “Medium Substandard” rating, provided, that there are no flare signs within the last 6 months. Otherwise, these cases may get a 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 (Standard, Mild Substandard or Medium Substandard), please see the questions below:
At what age was your Atrial Septal Defect diagnosed?
If Atrial Septal Defect is detected early, the medical history and the latest diagnostic evaluation will be used to determine the appropriate rating. If there are no complications since the time of diagnosis, the chance of getting a Standard health class is good.
Have you experienced any symptoms within the last six months?
Symptoms such as palpitations, arrhythmia or shortness of breath within the last six months may be flare signs. The best rating you can get if there are no serious complications such as pulmonary hypertension is at Mild Substandard. Severe symptoms and complications may get you a decline.
Are you taking any maintenance medications?
Maintenance medications for heart conditions like abnormal heart rhythm or lung problems like infection may be signs of complications and may get you either a Mild Substandard or Medium Substandard. In these cases a medical diagnostic exam will be required for confirmation of the actual condition.
Do you have regular check-ups with your doctors?
Your doctor’s evaluation will be the best source of clinical diagnosis. Regular visits could also mean that your condition is controlled and life insurance companies see this as a good sign.
Have you had any relevant diagnostic tests in the past 12 months?
Recent diagnostic tests such as echocardiogram or MRI are the best ways to assess your actual condition. This will be used as the basis of your rating.
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 Atrial Septal Defect
Atrial Septal Defect is a chromosomal anomaly that involves the presence of a hole or abnormal structure between the atrium and the ventricle. These two compartments carry different components of the blood; the atrium contains oxygenated blood, whereas, the ventricle carries unoxygenated blood.
In young individuals with this congenital condition, the following symptoms are observed: physical underdevelopment, heart or lung problems and frequent lung infections.
In adult age, the symptoms become more prominent such as abnormal heart rhythm, right to left shunting of blood, pulmonary hypertension and in severe cases, heart failure.
Related Keywords: Atrial Septal Defect, heart anomaly, arrhythmia, pulmonary hypertension