If you’ve been declined for life insurance due to Mitral Valve Prolapse Syndrome, or have been searching for quotes and are overwhelmed by the premiums being quoted to you, you’ve come to the right place.
At HighRiskLifeInsuranceAgency.com, we specialize in “high risk” life insurance.
Our 2 Minute Promise
Our promise is that if you stick with us for a few minutes, you’ll have two important questions answered:
- Can you qualify for life insurance with Mitral Valve Prolapse Syndrome? And if so…
- How much will it cost?
Yes, most individuals will be able to qualify for traditional life insurance, which requires a medical exam, but you’ll need to apply with a life insurance company that is accustomed to impaired risk cases, not an auto insurance company that just happens to also offer life insurance.
Best Case Scenario – If symptoms are well controlled, as is the case with most “non classic” MVP cases, “Standard” rates may be possible. Those with complications like palpitations or chest pain, but whose symptoms are mostly controlled may still qualify for a “Mild Substandard” rating. Click here for a quote at “Standard” or “Mild Substandard”.
Moderate Case – In “classic Mitral Valve Prolapse” however, where symptoms do occur, a small penalty in rating class may be assessed, in which case a more accurate expectation would be qualifying for a “Medium Substandard” rating. 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. Do you experience any symptoms?
Frequent symptoms such as fatigue, migraines, palpitations or even anxiety may cause a Mild Substandard rating.
2. Do you take medication?
The need for beta blockers or blood thinners such as Coumadin will probably cause a case to be rated as Mild Substandard.
3. Have you had a valve replacement or been told you may need one?
This will lead to a Mild Substandard rate, or possibly a Medium Substandard rate depending on severity.
4. Do you have regular check-ups with your cardiologist?
Life insurance companies want to see that you visit the doctor regularly for scheduled follow-ups.
5. Have you had a cardiac imaging test in the past year?
A recent stress test or echocardiogram showing little regurgitation helps qualify for Standard rates or better.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “Standard” to “Medium Substandard” 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.
As always, if we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Mitral Valve Prolapse Syndrome
Mitral Valve Prolapse Syndrome is a fairly common disease affecting the mitral or bicuspid valve of the heart. When the left ventricle contracts, there may be severe mitral regurgitation, or blood leaking back into the left atrium.
Many people who have the disease may also suffer from Grave’s disease or Marfan’s syndrome.
Related Keywords: MVP, mitral valve prolapsed, classic MVP, mitral regurgitation, heart murmurs