Shopping for life insurance can be difficult, especially if you have a serious pre-existing condition. If you have had an aortic aneurysm, you may assume that you can’t qualify for an affordable life insurance policy, but that couldn’t be further from the truth. Regardless of your health or pre-existing conditions, there are several options for insurance protection that you can choose from. Life insurance is one of the best investments that you’ll ever make for your loved ones.
An aortic aneurysm is a heart condition that can be quite hard to identify which means that it can be difficult for you to obtain the life insurance you and your loved ones need. There are multiple factors to take into account if you want to get life insurance at a normal rate. If you are wondering, “Can I get life insurance if I have had an aortic aneurysm,” it is possible! We can also help you find coverage with other high risk complications such as life insurance with depression or life insurance with sleep apnea. Do not allow an adverse health condition keep you from getting the insurance coverage that you deserve.
The fact is, most people with an aortic aneurysm can obtain traditional life insurance, but this will usually require a medical exam, if you opt for a no medical exam policy, you will end up paying higher premiums. This way the insurance company can learn as much as possible about your physical health to assess your unique risk. Any condition that may shorten your lifespan will be considered by insurers to “impair” your risk.
Ogletree Financial Services is an impaired risk specialist. We expertly present your unique risk to over 30 top life insurance companies to get you the absolute best premium for the quality life insurance coverage your family deserves.
Let’s look at three possible scenarios for clients with an aortic aneurysm. This does not represent every possible outcome by any means but can give you an idea of what you can expect to encounter in the life insurance marketplace.
The best case scenario happens when you have an aortic aneurysm without any symptoms, one that is detected early and without any problems. If you have already started treatment and it’s controlled by medications such as calcium channel antagonists or adrenergic blockers, you should be able to obtain a very good rate.
A moderate case scenario of an aortic aneurysm could be if you detected the condition early and had it operated on through an aortic dissection in order to remove the blockage. You would have to wait six months after the operation in order to get coverage and it will come with a slightly higher premium than normal. Be aware that if infections or hemorrhaging are identified, finding your desired life insurance coverage can be more challenging. You may still qualify for a reasonable rate if you have experienced only mild symptoms of back pain, leg pain or hypertension.
Unfortunately, there might be situations in which your aortic aneurysm is considered severe. This includes anytime within six months after your operation, or when you encounter bleeding or swelling after six months have passed since your surgery. Any further acute aortic syndromes or other symptoms may also be qualified as dangerous and affect your premium.
In these severe cases, your premium will be higher. You can count on Ogletree Financial Services help you find the best policy for you at the lowest possible rate. We know what companies work the best if you have an aortic aneurysm. You can start by getting a quote on the left of this page, but just know that this is a starting point. We can’t get the exact rate until our underwriters have evaluated your entire situation. We work on tough cases every day, so let us go to work for you.
How Can I Get Life Insurance if I Have Had an Aortic Aneurysm?
When you are ready to apply, you will need to be prepared for a variety of questions about your health and your aortic aneurysm condition. At Ogletree Financial Services, we start with a detailed questionnaire about your aortic aneurysm. Once we know more about your health, we will discuss your case with over 30 companies to find the one that will be the best to work with. Once we determine the best company, we can then start the application process.
Here are some important factors you should be prepared to discuss and document during your life insurance application process.
- When was your aortic aneurysm condition diagnosed? We want to know when it was first diagnosed. We will also want to know the date of your last medical checkup and findings, as this will help the insurance underwriters figure out the overall severity of your case.
- Have you experienced any symptoms in the last six months? Like most other types of surgery, the first six months are very important when it comes to figuring out if a condition is getting worse or not. It will definitely help you to obtain a much better quote for life insurance if you haven’t had any additional symptoms or complications and you are showing improvement.
- Do you take any medications? If you take blood pressure medicine, pain relievers or other medications, life insurance companies will be interested in all the details. The side effects of some medications can be a serious health concern when combined with an aortic aneurysm.
- Are you smoking? Yes, smoking can influence your recovery after aortic aneurysm surgery and because of that, you should refrain from smoking. Doing so can help you obtain a much better life insurance rate. Insurance companies have special risk categories for smokers, with higher premiums than the same standard risk category.
- Do you have any other medical conditions? Usually, if you have coronary artery disease, cerebrovascular disease, diabetes or high cholesterol, you will pay a higher insurance premium. Other medical conditions should be under control to be sure that you can qualify for life insurance.
How Much Life Insurance Do You Need?
One of the most important things that you should consider before you apply for life insurance is to calculate how much life insurance your family will need if something tragic were to happen to you. Not having enough life insurance is one of the worst mistakes that you could ever make for your family.
The first number that you should look at is your debts and expenses. The primary goal of your life insurance plan is to give your family the money that they need to pay off your debts and other bills that they would be responsible for if something tragic were to happen. Be sure to add up your mortgage loan, car payments, student loans, and anything else. Losing a love done is never easy, but being left with a massive amount of debt is going to make the situation a lot worse.
The next number that you should look at is your annual income. The secondary goal of your plan is to give your family the money that they need to replace your stream of income. If you’re one of the main income earners in your home, then they would struggle to pay for any basic expenses. Your life insurance policy will ensure that your family can get through the difficult time without having financial struggles.
These are only a few of the numbers that you should crunch before you buy any life insurance coverage. If you need help determining how large of a plan that you need to buy, please contact one of our agents and we would love to help walk you through the calculation process to ensure that you’re getting the coverage that your family needs.
These are some important things to take into account if you have an aortic aneurysm and are in the market for a life insurance policy. There will be much more than this to discuss, but you can count on us to help you find a life insurance policy.
Make sure to contact us right now and get the answers to all your life insurance questions. Getting started is easy. Use the instant quote application on this page, call us at 1-800-712-8519, or send us a note from our contact page. You may be surprised at what we can do for you!