Finding an affordable life insurance policy with Bacterial Endocarditis can be quite the challenge.
The good news is there is hope.
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 Bacterial Endocarditis? And if so…
2. How much will it cost?
Yes, most individuals with Bacterial Endocarditis 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 best case scenario for Bacterial Endocarditis can only be given a “Mild Substandard” rating. This is dependent on the rate of heart murmur and damage to the heart, which can only be established by an echocardiogram. A case of Bacterial Endocarditis that is detected early and the cause identified may have a good chance of prognosis, therefore, preventing febrile conditions and spread of infection. In most of these cases a “Mild Substandard” rating is given. Click here for quote at “Mild Substandard”
Moderate Case – Bacterial Endocarditis with complications of permanent damage to the heart will be seen in echocardiogram and blood test. Whether symptoms are controlled or not, the best rating that these cases can get is at “Medium Substandard”. Also, serious cases of acute Bacterial Endocarditis may only get a “Medium Substandard” rating as its best health grade. Click here for a quote at “Medium 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 or Medium Substandard), please see the questions below:
How many years have you been diagnosed with Bacterial Endocarditis?
Bacterial Endocarditis that is detected and treated early may have a good chance of prevention from permanent or fatal heart damage. Chronic cases, however, may only be rated after an echocardiogram is performed and the results show no active mass vegetation structure.
Have you experienced any symptoms within the last six months?
Symptoms or flare signs such as high grade fever, marked fatigue or abnormal heart murmurs may be symptoms of an acute case of Bacterial Endocarditis. The best rating you may get if you have these symptoms is at a “Medium Substandard,” and only if the echocardiogram will prove non-fatal or serious damage to the heart structure.
Are you taking any medications?
The need for medications for Bacterial Endocarditis is very important because cure or prevention of serious damage to the heart is dependent on the completion of long-term and high concentration of bactericidal treatment. If you are currently on medication diagnostic tests may be required before a rating can be given.
Do you have regular check-ups with your cardiologist?
Regular visit to your cardiologist is also very important because it is the only way to ensure that medications are effective, and that there is no progression of the disease.
You might also be interested in reading this article ” Life Insurance Approval with Cardiomyopathy”
Have you had any relevant diagnostic tests in the past 12 months?
A most recent echocardiogram is the best way to assess your actual heart condition. This may also confirm your compliance with your physician’s management and your medical treatment.
Do you have other medical conditions?
Medical conditions such as kidney injury or lung problem may be indicative of a serious complication from Bacterial Endocarditis, which may not be a good sign for insurance companies.
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 Bacterial Endocarditis
Bacterial Endocarditis is a form of infection or inflammation inside the tissues of the heart particularly the valves or less commonly on the side of the ventricular septum. The lesion from the infection is called the “vegetation” due to its structure that is the result of a mass formation of fibrin, platelets, inflammatory cells or microorganisms.
Most common cause is bacterial microorganism invasion, although other infective agents like foreign bodies or intra-cardiac devices or implants can also be the root of infection.
There are different types of endocarditis and they are classified according to the evolution of the disease, the cause of infection, site of infection or in rare cases due to the risk of an injection drug use.
The symptoms of Bacterial Endocarditis vary depending on whether it is acute or sub-acute in clinical presentation. The most common and general symptoms in sub-acute bacterial Endocarditis include low grade fever that usually does not reach 39.4°C (103°F); acute Bacterial Endocarditis, on the other hand, presents high grade fever that ranges from 39.4°–40°C (103°–104°F).
Other symptoms include heart murmur, anemia, nail hemorrhage, emboli, Roth’s spots, Osler’s nodes, Janeway lesions and nonspecific inflammatory arthritis and back pain. An acute case that is left untreated may progress to cardiac structure damage and in worst cases death.
Se our other articles on “Heart Disorders” and CLICK HERE