We know it can be frustrating searching for a life insurance policy with a history of Heart Murmur.
The good news is there is hope.
In fact, tough life insurance cases are our specialty at
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 Heart Murmur? And if so…
2. How much will it cost?
Yes, most individuals with Heart Murmur 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 with a Heart Murmur is one that is diagnosed as functional or anatomical in nature. Usually these cases do not present any abnormal symptoms except the presence of the heart sounds from physical examination. Cases with few premature ventricular contractions (PVC) are usually seen in physical exam. These cases usually get a “Standard” rating. Other cases with mild aortic murmurs or few atrial fibrillations may get a “Mild Substandard” health class. Click here for quote at “Standard” or “Mild Substandard.”
Moderate Case – Cases of Heart Murmur from aortic murmurs, atrial fibrillations or many PVCs with mild symptoms of chest pain or shortness of breath, but presents no severe heart complications may still qualify for a “Medium Substandard” health class. Click here for a quote at “Medium Substandard”.
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:
1. How many years since you were diagnosed with Heart Murmurs and what is the cause?
It is relatively easy to determine a rating by simply identifying the cause of Heart Murmur. Length of time, on the other hand, plus diagnostic and physical exam will determine presence of complications to the heart or any underlying condition like kidney disease.
2. Have you been diagnosed with other medical conditions?
Medical conditions like left ventricular hypertrophy or coronary artery disease may be the cause of Heart Murmur, which will need further assessment to determine appropriate health class.
3. Are you currently experiencing any untoward symptoms?
Recent symptoms of chest pain or shortness of breath will need to be supported by an ECG reading to assess the duration, intensity and location of the Heart Murmurs. Once determined, cases may be rated at “Mild Substandard” or “Medium Substandard.”
4. Have you had any relevant diagnostic tests in the past six months?
Recent diagnostic tests include ECG or echocardiogram that will show the current state of the heart. This will help determine the appropriate class.
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 Heart Murmur
A Heart Murmur is an audible heart sound distinguished using a stethoscope, which is primarily caused by abnormal blood flow to, through or from the heart.
It can either be pathologic (due to an underlying heart disease), functional or anatomical (due to a structural heart defect) or physiologic (due to an underlying illness outside of the heart).
Heart Murmurs are usually identified according to their timing within the normal heart rhythm. The heart sounds are defined as systolic murmurs, diastolic murmurs or continuous murmurs depending on their time of occurrence. They are also determined according to its duration, intensity, location and radiation.
Heart Murmurs need to be correlated clinically with diagnostic and laboratory tests, plus physical exam to identify the cause of the abnormal heart sounds. Common symptoms that may appear with a Heart Murmur include chest pain, shortness of breath and difficulty of breathing.
Related Keywords: heart murmurs, premature ventricular contractions, aortic murmurs, atrial fibrillations