Have you been declined for life insurance due to Carotid Bruits or Carotid Sinus Syncope?
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 Carotid Bruits or Carotid Sinus Syncope? And if so…
2. How much will it cost?
Yes, most individuals with Carotid Bruits or Carotid Sinus Syncope 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 – Both conditions of Carotid Bruits and Carotid Sinus Syncope can get the best case scenario. A “Mild Substandard” rating may be applied if the symptoms of arm paralysis or weakness for Carotid Bruits and fainting spells for Carotid Sinus Syncope are infrequent. This rating can only be given if there are no complications to the heart and lungs. Click here for quote at “Mild 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 if you will qualify for a “Mild Substandard” rating, please see the questions below:
How many years have you been diagnosed with Carotid Bruits or Carotid Sinus Syncope?
Carotid Bruits or Carotid Sinus Syncope is a manageable condition if you will know the triggers and can avoid them. If you do the preventive measures, it will help prevent complications to the heart and lungs. Longevity, however, can have two implications; it can be a sign of good control or long-term damage to the other organs.
Have you experienced any symptoms within the last six months?
Symptoms of arm weakness, paralysis, hypotension or loss of consciousness within the last 6 months may be a sign of poor control of the condition. If this is the case, insurance companies may require further evaluation of your condition. If you have no symptoms for the last 1 to 2 years, then you may qualify for a “Mild Substandard” rating.
You might also be interested in reading this article “Life Insurance Approval with Arteriovenous AV Malformations”
Are you taking any medications?
Medications for heart and blood pressure control may be necessary if you have Carotid Sinus Syncope, and regular intake may get you a “Mild Substandard” rating.
Do you have regular check-ups with your cardiologist?
Regular visit to your cardiologist is a good sign of control of the condition and may get you a “Mild Substandard” rating. It is, however, necessary for laboratory and diagnostic exams to confirm the absence of complications such as heart or lung conditions.
Do you have other medical conditions?
If you have other medical conditions such as high blood pressure, diabetes or heart problems, you may be required to undergo a more thorough exam.
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 Carotid Bruits or Carotid Sinus Syncope
Carotid Bruits are unusual systolic beats heard from the carotid artery, which is the result of a turbulent blood flow to the area. This sound is commonly heard from patients with carotid artery stenosis (narrowing of carotid artery).
This condition is common for young patients with structural and functional carotid defects. Sometimes, these patients remain asymptomatic and diagnosis is often done during an incidental routine exam, which is the reason why it is also referred to as “innocent carotid bruits”.
Carotid Sinus Syncope, on the other hand, is a functional defect of the carotid artery that triggers overstimulation of the carotid sinus and the vagus nerve resulting to frequent, but temporary episodes of fainting or loss of consciousness. Unlike, Carotid Bruits that is common in young patients, Carotid Sinus Syncope is generally observed in elder patients.
Hypersensitivity of the carotid sinus triggers an electrical impulse to the brain that tells the heart to slow down (bradycardia) and the blood pressure to drop (hypotension). Usual causes of overstimulation include tight-collared shirts, tumor growth in the area or a quick wrong neck movement, which causes Carotid Sinus Syncope.
In rare cases, patients with Carotid Bruits also experience symptoms of Carotid Sinus Syncope.
See our other articles on Circulatory Disorders and CLICK HERE!