We know it can be frustrating searching for a life insurance policy with a history of Bigeminy.
Don’t fret. We can help!
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 Bigeminy? And if so…
2. How much will it cost?
Yes, most individuals with Bigeminy will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
However, these types of approvals can only be offered by life insurance companies that are accustomed to high risk life insurance cases.
Best Case Scenario – Those cases that are asymptomatic due to regular administration of medication may qualify for the best rating at “Standard”. Lack of symptoms ensures that complications are prevented. Click here for quote at “Standard”.
Moderate Case – Those with occasional symptoms of premature beats, shortness of breath or occasional dizziness, but whose complications to the heart are mostly controlled may still qualify for a “Mild Substandard” health class. Click here for a quote at “Mild Substandard”.
Severe Case – Severe cases would be those with recurring and fluctuating episodes of premature beats or skipping pulses may qualify for a “Medium Substandard” rating. These cases, however, need to be backed up by laboratory and diagnostic exams that show no damage to the heart.
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 Bigeminy?
Bigeminy when detected early has a good chance of control and prognosis. Usually these cases remain asymptomatic and, therefore, may classify at “Standard” rating.
You might als be interested in reading this article, “Life Insurance Approval with Atrial Flutter”
Have you experienced any symptoms within the last six months?
Symptoms or flare signs such as chest pain, palpitations or shortness of breath within the last 6 months may get you either a “Mild Substandard” or “Medium Substandard” rating.
Are you taking any medications?
The need for medications like anti-arrhythmias or beta-blockers for heart conditions such as Bigeminy is very important because it regulates the normal heart beat and function. Religious administration will ensure the absence of symptoms. If this is the case, you may qualify for a “Standard” rating.
Do you have regular check-ups with your cardiologist?
Regular visits to your cardiologist may be a good sign of control of the condition and may earn you a “Standard” health class.
Have you had any relevant diagnostic tests in the past 12 months?
A recent ECG or 2D echocardiogram is the best way to assess your actual heart condition. This may also confirm your compliance with your physician’s 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 Bigeminy
Bigeminy is commoly known as heart arrhythmia, which is characterized by abnormal heart beats. These abnormal heart beats usually occur with every other simultaneous beat. Most common of these arrhythmias are the premature ventricular contractions/complexes (PVC).
If these same abnormal PVCs occur every third beat then it is referred to as trigeminal PVCs; with every fourth, quadrigeminal and so on. These beats are also known as parasystole, premature atrial contractions or escape complexes.
Symptoms of Bigeminy may include palpitations, increased or decreased pulse or heart rates, premature beats, skipping pulses, occasional dizziness, shortness of breath, chest discomfort
See our other articles on Heat Conditions and CLICK HERE