Finding an affordable life insurance policy with Myocarditis can be quite the challenge.
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.
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 Myocarditis? And if so…
2. How much will it cost?
Can I Qualify for Life Insurance if I have Myocarditis?
Yes, most individuals with Cardiomyopathy will be able to qualify for traditional life insurance, the type of 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 Cardiomyopathy is detected early, symptoms of palpitations, heart murmurs or swelling are controlled and complications of congestive heart failure prevented, most cases have a “Mild Substandard” rating. 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
If you’re unsure if you will qualify for the best rating at “Mild Substandard” please see the questions below:
How many years have you been diagnosed with Myocarditis?
Myocarditis is a preventable condition and the flulike symptoms and heart abnormalities can be managed well when detected early. Longevity of the condition, however, increases the probability of complications such as congestive heart failure.
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Have you experienced any symptoms of infection within the last six months?
Symptoms of flu, tonsillitis or nasopharyngitis can be flare signs of Cadiomyopathy. These symptoms may be warning signals of a progressing condition, which may require a more thorough evaluation before a rating can be given.
Are you taking any medication?
There are medications such as antidepressants, antibiotics or chemotherapy drugs that can cause inflammation of the heart muscles. If you are under medication and are diagnosed with Cardiomyopathy, a more thorough medical evaluation will be required to determine the most appropriate 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 congestive heart failure.
Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory and diagnostic tests that will show your actual condition include ECG, cMRI, C-reactive protein (CRP) and angiography. Good results of these tests may confirm your compliance with your physician’s management.
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 Myocarditis
Myocarditis, also known as Cardiomyopathy is the inflammatory process that occurs in the muscles of the heart (myocardium). The common cause of inflammation is either a viral infection or as a response to certain drugs.
Mild forms of Cardiomyopathy involve damage to the heart muscles but without any blockage to the artery. Other symptoms of Myocarditis include abnormal heart rhythm, murmurs or regurgitations, palpitations, fever, congestive heart failure signs such as shortness of breath and swelling.
The usual initial complaint of patients with Cardiomyopathy may be flulike symptoms, upper respiratory infection, tonsilitis or nasopharyngitis.
In some cases, Myocarditis can also be the result of an autoimmune response reaction to the presence of myosin. Cardiomyopathy is an encompassing condition that can be asymptomatic and resolves by itself or it can be seriously life threatening that shows some chest pain, signs of heart failure that may end up in sudden death.
Among the toxins that have been found to cause inflammation of the heart muscles include chemotherapy medicines, antibiotics, ethanol substances, tricyclic antidepressants, and antipsychotic drugs. There are also physical causes such as very high body temperature, radiation and electrocution.
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