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Can you qualify for life insurance after being diagnosed with an aneurysm?


Life Insurance with an Aneurysm.

In this article, we wanted to take a moment to answer some of the most common questions we get from folks applying for life insurance after having been diagnosed with an Aneurysm or aneurysmal dilation.

Questions that will be addressed will include:

  • Can I qualify for life insurance if I have been diagnosed with an Aneurysm?
  • Why do life insurance companies care if I have been diagnosed with Aneurysm?
  • What kind of information will the insurance companies ask me or be interested in?
  • What rate (or price) can I qualify for?
  • What can I do to help ensure that I get the “best life insurance” for me?

So, without further ado, let’s dive right in!

Can I qualify for life insurance if I have been diagnosed with Aneurysm?

Yes, it is possible to qualify for life insurance if you have been diagnosed with an aneurysm. However, the terms of your policy and the premiums you will pay may be affected by your diagnosis.

An aneurysm is a bulge or ballooning in the wall of a blood vessel, which can occur in any part of the body.

Aneurysms can be caused by a variety of factors, including genetics, high blood pressure, and other medical conditions. If an aneurysm ruptures, it can cause serious health problems and may be life-threatening. Treatment for an aneurysm may include medications, lifestyle changes, and surgery.

Here at IBUSA, we have found that typicallly the best life insurance company will consider a range of factors when determining eligibility and premiums for life insurance policies, including age, gender, medical history, and lifestyle.

If you have been diagnosed with an aneurysm, the insurance company may ask for more information about your condition and how it is being managed. They may also ask about any other medical conditions you have, as well as your family medical history.

It is important to be honest and upfront about your medical history when applying for life insurance. If you do not disclose your aneurysm diagnosis and it is discovered later, it could affect your coverage or the payout of your policy.

It is also worth noting that different insurance companies have different underwriting guidelines and may have different approaches to assessing risk for individuals with an aneurysm. It may be helpful to shop around and compare quotes from multiple insurance companies to find the policy that is right for you.

Why do life insurance companies care if I have been diagnosed with Aneurysm?

Life insurance companies generally consider a range of factors when determining eligibility and premiums for life insurance policies, including age, gender, medical history, and lifestyle.

If you have been diagnosed with an aneurysm, the insurance company may be concerned about the potential impact of your condition on your overall health and longevity.

An aneurysm is a bulge or ballooning in the wall of a blood vessel, which can occur in any part of the body. Aneurysms can be caused by a variety of factors, including genetics, high blood pressure, and other medical conditions.

If an aneurysm ruptures, it can cause serious health problems and may be life-threatening. Treatment for an aneurysm may include medications, lifestyle changes, and surgery.

Life insurance companies may be concerned about the potential impact of an aneurysm on a person’s overall health and longevity, as well as the potential need for medical treatment and medications to manage the condition. This can be a factor in determining the terms of a policy and the premiums that will be charged.

What kind of information will the insurance companies ask me or be interested in?

When applying for life insurance, you will typically be required to complete an application that includes questions about your personal and medical history.

If you have been diagnosed with an aneurysm, the insurance company may ask for more information about your condition and how it is being managed. Some of the information they may request includes:

  • Details about your diagnosis, including when you were diagnosed, where the aneurysm is located, and the size of the aneurysm.
  • Information about your treatment, including any medications you are taking, lifestyle changes you have made to manage your condition, and any surgical procedures you have undergone.
  • Any additional medical conditions you have, as well as your family medical history.
  • Your current and past occupation, as well as any hazardous activities you engage in as part of your work or leisure activities.
  • Your lifestyle habits, including your diet, exercise routine, and use of tobacco or alcohol.

It is important to be honest and accurate when answering these questions, as this information will be used to determine your eligibility for a life insurance policy and the premiums you will pay.

If you do not disclose your aneurysm diagnosis and it is discovered later, it could affect your coverage or the payout of your policy.

It is also a good idea to have a copy of your medical records and a list of medications you are taking with you when you apply for life insurance. This can help the insurance company get a better understanding of your condition and its management.

What rate can I qualify for?

Now as you can see, there are a lot of variables that can come into play when determining what kind of “rate” that an individual can qualify for.  Not to mention whether or not an individual will even be able to qualify for a traditional term or whole life insurance policy at all!

This is why it’s pretty much impossible to know what kind of rate you might be able to qualify for without first speaking with you for a few moments.

That said however…

What we can tell you is that there are several life insurance companies that will be willing to insure someone who has been diagnosed with an aneurysm regardless of whether or not they have had it operated on.

In fact…

Some of these life insurance companies will be willing to even offer someone a Preferred rate depending on the “type” of aneurysm that you have been diagnosed with and how long ago you were diagnosed with this condition.

That’s the good news…

The bad news is that when it comes to these “approvals”, insurance companies can vary significantly.  This is because being diagnosed with an aneurysm isn’t like being diagnosed with another kind of pre-existing medical condition that is likely to have a “set” outcome.

Or like being diagnosed with another pre-existing medical condition in which there is a certain type of “test” that can tell an insurance company just how “severe” your condition is.

As a result…

Individual insurance companies working within the different life insurance companies are going to be given much more “subjectivity” when determining whether or not you’ll be eligible for coverage and if so, what “price” you may be required to pay.

This brings us to the last topic that we wanted to take a moment and discuss with you here today which is…

What can I do to help ensure that I get the “best life insurance” for me?

In our experiences here at IBUSA, what we have found to be the number one factor in helping someone find the “best” life insurance policy for is…

Honesty and options.

This is because…

When a client is honest with us about all the “factors” that could come into play when determining what kind of “rate” they may be able to qualify for and we have plenty of options to choose from, the chances that we’ll be able to find that “perfect fit” goes way up.

This for course assumes…

That you choose to apply with a life insurance brokerage like IBUSA which has access to dozens of different life insurance companies and only hires true life insurance professionals with the knowledge and expertise to help you sort out which life insurance company is going to be the “best” for you.

So what are you waiting for?  Give us a call today and experience the IBUSA difference.

2 comments… add one
  • Stephen April 25, 2022, 5:01 pm

    Just diagnosed with thoracic aneurysm, having it removed.
    58yrs old good health otherwise. Previous smoker 3months. Whats my quote

    • IBUSA April 25, 2022, 8:24 pm

      Stephen,

      While we would love to provide you with a quote, it’s simply not possible given the little we have to work from here. For example, you haven’t even told us how much insurance you’re looking for. For this and many other reasons, it’s probably best for you to give us a call if you would like us to be able to provide you with an accurate quote.

      Thanks,

      InsuranceBrokersUSA

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