Have you been declined for life insurance due to Coarctation of the Aorta?
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.
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 Coarctation of the Aorta? And if so…
2. How much will it cost?
Yes, most individuals with Coarctation of the Aorta 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 – A best case scenario can only be given if your condition was detected early and a successful surgical resection or angioplasty was done. Successful surgery needs to be clinically correlated and must be able to show absence of chronic hypertension or absence of complications to your heart.
If symptoms are controlled and complications prevented, most cases have a “Standard” rating. Click here for quote at “Standard”.
A “Mild Substandard” rating may be given to you if you have been diagnosed early with Coarctation of the Aorta, but did not require surgery. These cases are usually asymptomatic, but occasionally present symptoms of hypertension when there is increased physical exertion.
These cases, however, need to establish the control of the condition and must present diagnostic results that show no progressive damage to the heart or other major organs in the body. Click here for quote at “Mild Substandard”.
Moderate Case – Those with complications such as coronary heart disease, but whose symptoms of hypertension 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 Coarctation of the Aorta?
Coarctation of the Aorta in mild cases may be treated successfully by surgery. And for those cases with successful surgery, a “Standard” rating may apply.
Those cases, however, that are detected late in life and the symptoms of difficulty of breathing, dizziness and hypertension are uncontrolled, may only qualify for the “Medium Substandard” rating if there are no known complications to the heart, kidneys and other organs.
Have you experienced any symptoms within the last six months?
Symptoms of hypertension, chest pain or shortness of breath within the last six months may be flare signs of the condition. In moderate cases, the best rating you may qualify is at “Medium Substandard,” but further evaluations will be required to establish control of your condition.
You my also be interested in reading this article “Life Insurance Approval with Atrial Septal Defect”
Do you have symptoms of differing pulse readings?
Differing pulse readings in the upper and lower extremities may be serious signs of arterial hypertension. These cases may only qualify for a “Medium Substandard” rating if there are no severe heart complications.
Do you have regular check-ups with your cardiologist?
Even after a successful surgery, your regular visits to your doctor mean that your condition is controlled and life insurance companies see this as a good sign. You have a good chance of getting the best rating at “Standard” health class.
Have you had any relevant diagnostic tests in the past 12 months?
If you have any recent diagnostic test such as CT scan or MRI, it will be the best way to determine your appropriate rating. This may confirm your compliance with your physician’s management and the absence of complications.
Do you have other medical conditions?
Other medical conditions such as mitral valve abnormalities or other heart conditions, endocrine disorders such as hyperthyroidism or diabetes, may aggravate your hypertension and may be given a higher rating or in very serious cases, a decline.
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 Coarctation of the Aorta
Coarctation of the Aorta is also known as aortic coarctation. It is a genetic disorder where there is narrowing of the aorta as a result of an underdeveloped ductus arteriosus.
There are three types of this disorder that are described according to their location to the ductus arteriosus; first, which is the nearest and is the most life threatening is called pre-ductal coarctation (this condition is commonly seen in children with Turner Syndrome); second is ductal coarctation, which is located just at the insertion of the ductus arteriosus; and last is the post-ductal coarctation, which is the most distal and is commonly seen in adults.
Signs and symptoms of Coarctation of the Aorta depend on the type, but usually the milder ones remain asymptomatic. The most common symptoms in mild cases include: difficulty of breathing, failure to thrive, poor feeding in children and poor appetite in adults.
In moderate cases, symptoms may include impairment of blood flow and heart enlargement. This may be accompanied by dizziness, fainting episodes, shortness of breath, general fatigue or weakness, headache, chest pain, nose bleeding or differing pulses in the upper and lower extremities. These cases may also show signs of intermittent claudication and cold hands and feet.
In serious cases, heart conditions or arterial hypotension may begin to manifest as early as infancy. These symptoms could include blood pressure or pulse pressure differences in the upper and lower extremities.
The most common complication of Coarctation of the Aorta in adult is hypertension and coronary artery disease.
See our other articles on Heart Conditions and CLICK HERE!