Finding an affordable life insurance policy with Atrioventricular Block can be quite the challenge.
Don’t fret. We can help!
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 Atrioventricular Block? And if so…
2. How much will it cost?
Yes, most individuals with Atrioventricular Block 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 – An Atrioventricular Block that is incomplete and classified as 1st degree can get a “Standard” rating. A rating of “Mild Substandard” may be given to a 2nd degree AV Block or a complete Atrioventricular Block that are similarly managed and controlled by a pacemaker.
Moderate Case – A 2nd degree Atrioventricular Block, on the other hand, without a pacemaker would be rated at “Medium Substandard,” for the reason that symptoms may be erratic and, therefore, signs of difficulty of breathing or ischemia may be uncontrolled. These cases can lead to serious complications. Click here for a quote at “Medium Substandard”.
Severe Case – A 3rd degree Atrioventricular Block with evident symptoms of ischemia or infarction that has not been managed by the placement of a pacemaker may present severe complications. Most of these cases are 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 which of the above health classes to quote yourself at (Standard, Mild Substandard or Medium Substandard), please see the questions below:
How many years have you been diagnosed with Atrioventricular Block?
Atrioventricular Block is a reversible condition if diagnosed and treated early. Symptoms like cell death of the heart muscles or ischemia can be prevented and complications minimized. Longevity of the condition especially those without management increases the probability of severe complications.
Have you experienced any symptoms within the last six months?
Symptoms of heart illnesses such as palpitations, shortness of breath or fatigue may be flare signs that are not good markers for the insurance company. These symptoms may cause a “Mild Substandard” or “Medium Substandard” rating or in worst cases a decline.
What is the type of your Atrioventricular Block and have you undergone a surgical procedure to correct it?
Only a 1st degree AV Block can be rated at “Standard”. Those cases that have undergone a surgical placement of a pacemaker may be rated at “Mild Substandard” if it is classified as 2nd degree or 3rd degree, complete AV Block. If, however, a 2nd degree AV Block is not managed by a pacemaker, it will be rated at “Medium Substandard”. And, a 3rd degree case without a pacemaker will automatically be declined, in which case you will need to apply for guaranteed issue coverage.
Have you had any relevant diagnostic tests in the past 12 months?
Recent diagnostic tests like ECG or blood examinations are the best ways to assess the actual condition of your heart. This may also confirm your compliance with your physician’s medical and/or surgical management.
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 Atrioventricular Block
Atrioventricular Block, also known as AV Block is a conduction abnormality that occurs between the atria and ventricle of the heart. The AV node acts as a subsidiary to the SA node, when the latter fails to set the rhythm of the heartbeat.
The SA node is the primary pacemaker of the heart, but when the AV node has a blockage, it also affects the normal rate and pace of the heart. The common causes of Atrioventricular Block include lack of Oxygen supply, cell death in the muscles of the heart, fibrosis, blockage, and sometimes a strong vasovagal stimulation can trigger an Atrioventricular Block.