Have you been declined for life insurance due to Bundle Branch Blocks?
Luckily, you’ve come to the right place.
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 Bundle Branch Blocks? And if so…
2. How much will it cost?
Yes, most individuals with Bundle Branch Blocks 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 Bundle Branch Blocks are classified as hemiblock or Right Bundle Branch Blocks (RBBB), they have a good chance of getting a “Standard” rating. This is as long as the conduction delay in the SA node does not trigger moderate to severe block in the activation of the left or right ventricles of the heart resulting to moderate to severe symptoms.
This also needs to be clinically correlated with the patient’s ECG tracing. There should be no symptoms of highly irregular heartbeats, frequent fainting or shortness of breath episodes. Click here for a quote at “Standard”.
“Mild Substandard” rating may be given to cases that have occasional, but mild symptoms of shortness of breath or significant irregular heartbeats. Click here for a quote at “Mild Substandard”.
Moderate Case – Those cases of Left Anterior Fascicular Block (LAFB), Left Anterior Hemiblock (LAHB) or Left Bundle Branch Blocks (LBBB) with more frequent symptoms of arrhythmia (irregular and abnormal heartbeat), fainting spells and /or difficult breathing, but whose symptoms are mostly controlled may still qualify for a “Medium Substandard” health class. 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 (Standard, Mild Substandard or Medium Substandard), please see the questions below:
How many years have you been diagnosed with Bundle Branch Blocks?
Bundle Branch Blocks is a chronic but controllable condition. In fact, most patients with well managed cases remain asymptomatic. These cases may qualify for a “Standard” or “Mild Substandard” rating.
You may also be interested in reading this article “Life Insurance Approval with Atrial Flutter”
Have you experienced any symptoms within the last six months?
Symptoms of fainting, shortness of breath or chest pain for the last 6 months may be flare signs of Bundle Branch Blocks. If the symptoms are more frequent, the best rating possible may be at “Medium Substandard” health class.
Are you taking any medications?
The need for medications for heart or lung conditions may be signs of serious complications. These cases may need further medical evaluation before a rating can be determined. If you happen to get a decline you could still be eligible for a graded death benefit policy.
Do you have regular check-ups with your cardiologist?
Regular visit to your cardiologist is a good sign of compliance that may be associated with control of the condition. If you have no serious or frequent symptoms of shortness of breath or dizziness, you may get a “Standard” or “Mild Substandard” rating. It is, however, necessary for laboratory and diagnostic exams to confirm the absence of complications.
Do you have any ECG reading in the past 12 months?
A recent ECG test may be the best way to assess your actual condition. This may also confirm your compliance with your physician’s management. Although, this may still need to be correlated with further physical examination.
Do you have a pacemaker?
The presence of a pacemaker to control the electrical impulses of the heart may be a sign of a moderate to severe condition, and would need further medical evaluation and additional diagnostic exams before a rating can be determined.
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 Bundle Branch Blocks
Bundle Branch Block is a condition of the heart that has several presentations. For individuals with no structural defect, the common site affected is the right bundle branch of the heart.
When an individual has a Bundle Branch Block, the impulse activity of the heart is impaired. The natural pacemaker (SA node) of the heart fails to generate the impulse to the Bundle of this and misses the signal to the right and left bundle branch (whichever is affected). When this happens, the normal heart rhythm is damaged and cardiac output decreased.
Right Bundle Branch Block may be seen as a primary condition such as found in congenital atrial septal defect, as a secondary disorder or as a result of an existing heart ailment like ischemia.
Left Bundle Branch Block, on the other hand, marks four underlying conditions that include coronary heart disease (CHD), aortic valve disease, hypertensive heart disease and cardiomyopathy.
Most cases of Bundle Branch Block are asymptomatic, but for those with symptoms, it may include pre-fainting or fainting spells and a slow heart rate (bradycardia).
See our other articles on Heart Conditions and CLICK HERE!