Finding an affordable life insurance policy with an aneurysm can be quite a challenge.
The good news is there is hope. Indeed, we help individuals of all ages and all sorts of medical conditions at HighRiskLifeInsuranceAgency.com.
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 Aneurysm? And if so…
2. How much will it cost?
Can I Qualify for Life Insurance if I have Aneurysm?
Yes, most individuals with Aneurysm 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.
How Much Will it Cost?
Best Case Scenario – Best case for an unoperated Aneurysm with no symptoms presented would get a “Mild Substandard” rating. If Aneurysm has been operated and the symptoms controlled and there are no risk factors like diabetes or hypertension that are present, most cases have a “Medium Substandard” rating. Click here for quote at “Mild Substandard” and “Medium Substandard.”
Moderate Case – An unoperated Aneurysm with controlled symptoms and complications of a possible rupture prevented, may still qualify for a “Medium Substandard” health class. Click here for a quote at “Medium Substandard.”
Severe Case – A severe case is possible for both operated and unoperated Aneurysm where there are obvious strict and recent complications like severe headache or loss of sight, the best approval you may obtain is at a “Severe Substandard” rating. Click here for a quote at “Severe Substandard.”
Severe cases that are obviously high risk may get a decline, 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 (Mild Substandard, Medium Substandard or Severe Substandard), please see the questions below:
1. Is your Aneurysm operated or unoperated?
This will give you an idea on what possible ratings and what is the best case scenario you can get for your condition.
2. How many years since you were diagnosed with Aneurysm?
Aneurysm is a serious condition that presents sudden symptoms that is why if it is very recent, the condition may be considered unstable and may get a “Severe Substandard” rating.
3. Have you experienced any symptoms within the last month?
Symptoms that include severe headache or chest pain that occurs anytime of the day and presents as sudden and severe may be flare signs posing an impending Aneurysm rupture. These symptoms cause a “Severe Substandard” rating or even a decline.
4. Have you been operated on for your Aneurysm and when?
A recently operated Aneurysm may be considered unstable, but if it has been at least two years and you do not present any symptoms at the moment then that is considered a controlled case of Aneurysm and can get a “Medium Substandard” rating.
5. Do you have regular check up with your physician?
Regular visits to your doctor mean that your condition is controlled and life insurance companies see this as a good sign.
6. Have you had any relevant diagnostic tests in the past month?
Recent diagnostic tests like MRI or CT-scan are the best ways to determine the severity of your condition.
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.
How to Get a Quote
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 Aneurysm
An aneurysm is a presence of a bulge or balloon-like structure in the major arteries of the brain or the heart. The presence of this bulge causes blood to be trapped in the balloon-like formation.
An Aneurysm is a serious condition not only because it involves major organs, but more so because of the danger of a blood vessel rupture to take place, which often results in death.
It is rather difficult to isolate the symptoms of Aneurysm because they usually occur once the rupture has taken place. A common symptom for brain aneurysm would be excruciating headache and for heart aneurysm would be severe chest pain.
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