Having trouble finding affordable life insurance with Barlow’s Syndrome?
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.
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 Barlow’s Syndrome? And if so…
2. How much will it cost?
Yes, most individuals with Barlow’s Syndrome will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you won’t be able to get this rating through your auto insurance company.
Best Case Scenario – If Barlow’s Syndrome is detected early, symptoms such as chest pain and arrhythmias are controlled, and complications like mitral regurgitation prevented, most cases usually get a “Standard” rating. Usually these cases are non-classic MVPs. Click here for quote at “Standard”.
Moderate Case – Those cases with mild complications such as infective endocarditis, but whose symptoms of palpitations, chest pain or infective endocarditis are mostly controlled may still qualify for a “Mild Substandard” health class. Click here for a quote at “Mild Substandard”.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Standard or Mild Substandard), please see the questions below:
How many years have you been diagnosed with Barlow’s Syndrome?
Barlow’s Syndrome is a progressing condition, but symptoms of heart murmur and chest pain can be controlled, and complications such as congestive heart failure can be managed if not totally prevented. Longevity of the condition, however, increases the probability of complications. The longer your condition is the likelihood of getting a higher rating.
What type is your Barlow’s Syndrome?
Non-classic cases of Barlow’s Syndrome are usually asymptomatic and may get the best rating at “Standard”. Those, however, with classic and chronic cases may get the best rating at “Mild Substandard”. However, cases with severe and serious cases with flare symptoms and obvious complications will need further medical evaluation before a rating can be determined.
Have you experienced any symptoms within the last six months?
Symptoms such as chest pain, palpitations or difficulty of breathing on exertion may be flare signs of Barlow’s Syndrome. These symptoms, if current may cause a “Mild Substandard” rating.
Yo might also be interested in reading “Life Insurance Approval with Asymmetric Septic Hypertrophy”
Are you taking any medications?
Regular intake of medications such as beta-blockers plays a vital role in the control of symptoms of palpitations and heart murmur. This may actively prevent worsening of complications to the heart, and if you are religious in administration, and you remain asymptomatic, you may get the best rating at “Standard” health class.
Do you have regular check-ups with your cardiologist?
Regular visits to your cardiologist will ensure proper monitoring and control of your heart condition. Compliance is a good sign and life insurance companies may give you the best rating at “Standard”.
Have you had any relevant diagnostic tests in the past 12 months?
A recent ECG or echocardiogram will be the best way to assess your actual heart condition. This may also confirm your compliance with your physician’s management and treatment regimen.
Do you have lifestyle practices that put you at greater risk for complications?
Poor lifestyle practices such as smoking, too much intake of alcohol, drug abuse or a stressful environment may all contribute to the development of complications. Insurance companies may give you the highest rating and in worst cases may even give you a decline.
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 Barlow’s Syndrome
Barlow’s Syndrome is a heart condition associated with myxomatous degeneration of the mitral valve that is why it is also called valvular heart disease. Although rare, valvular disease may also be found in the aortic or tricuspid valves.
This condition is characterized by excessive formation or displacement of redundant mitral leaflet tissues in the left atrium during contraction of the heart.
Barlow’s Syndrome has 2 classifications namely the classic and non-classic MVP. Of the 2 types, non-classic MVP has a lower rate for complications. Classic cases, on the other hand, may present serious complications such as infective endocarditis, mitral regurgitation, congestive heart failure and in more severe cases, cardiac arrest.
The most common symptoms associated with Barlow’s Syndrome include arrhythmias, palpitations, difficulty of breathing on exertion, chest pain, noticeable weight loss, low blood pressure and lightheadedness.
See our other articles on “Heart Conditions” and CLICK HERE