Life Insurance with an Atrial Septal Defect.
In this article, we wanted to take a moment and answer some of the most common questions we get from folks applying for life insurance after they have been diagnosed with an Atrial Septal Defect (ADS).
Questions that will be directly addressed will include:
- Can I qualify for life insurance after I’ve been diagnosed with an atrial septal defect?
- Why do life insurance companies care if I’ve been diagnosed with an atrial septal defect?
- 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’ dive right in!
Can I qualify for life insurance after I’ve been diagnosed with an atrial septal defect?
Yes, individuals who have been diagnosed with an atrial septal defect can and often will be able to qualify for a traditional term or whole life insurance policy. In fact, they may even be able to qualify for a Preferred rating.
Why do life insurance companies care if I’ve been diagnosed with an atrial septal defect?
Pretty much any time an individual has been diagnosed with a pre-existing medical condition having to do with the heart, you can bet a life insurance company is going to be interested in it.
In cases like these is that often times, an individual will have had his or her atrial septal defect repaired early in life or the defect itself is so minor that it’s not causing the patient to suffer from any symptom. Hence, it’s difficult for them to understand why a life insurance company would be worried about it.
It may make sense for us to briefly describe exactly what an arterial septal defect is so that we can “subjectively” come to a better understanding “why” a life insurance company is going to be interested in it. As well as “what” concerns they may have about this condition before moving forward with the underwriting process.
Atrial Septal Defect Defined…
An atrial septal defect is a term used to describe a congenital birth defect where the two separate atrium chambers become connected via a “hole.” This “hole” between the upper two chambers of the heart then allow freshly oxygenated blood to flow from the left atrium to the right atrium, which consists of poor oxygenated blood.
Now in cases…
Where this “hole” is small, it’s possible that the “hole” may be able to seal itself or may only allow small amounts of blood to pass through, making the effects of having such a hole very minor or not noticeable at all.
Where we can…
Run into trouble is when the whole is large enough where a surgical procedure may be needed to repair it or when so much blood is allowed to mix that over time, irreversible damage can occur to the heart muscle itself. Damage such as:
- Right heart enlargement which can ultimately lead to heart failure.
- Abnormal heart rhythms, including atrial fibrillation and atrial flutter.
- As well as an increased risk for suffering from either a heart attack or stroke.
Which is why…
It should make sense that a life insurance company is going to want to know more about your situation before making any kind of definitive decisions about your life insurance application.
The good news is…
Most atrial septal defects that are large enough to require treatment can usually be repaired surgically, and once remedied; it will usually eliminate the need for further treatment. This is why you’ll commonly find that most life insurance companies will tend to be quite accepting of applicants who have been diagnosed with this condition early on and had it repaired early in life.
What kind of information will the insurance companies ask me or be interested in?
Typical questions you’ll likely be asked may include:
- When were you first diagnosed with an atrial septal defect?
- Who diagnosed your atrial septal defect? A general practitioner or a specialist?
- How old were you when your atrial septal defect was diagnosed?
- What symptoms (if any) led to your diagnosis?
- What treatments (if any) have you required?
- Have any treatments been recommended for the future?
- Do you currently suffer from any symptoms now?
- An arrhythmia (irregular heartbeat)?
- Heart murmur?
- Shortness of breath,
- Pulmonary hypertension?
- Swelling of the lower body and/or abdomen?
- Have you been diagnosed with any other cardiovascular conditions?
- Have you ever suffered from a heart attack or stroke?
- In the past 12 months, have you used any tobacco or nicotine products?
- What is your current height and weight?
- Are you currently working now?
- In the past 12 months, have you applied for or received any form of disability benefits?
Now at this point…
We do like to remind folks that nobody here at IBUSA has any specific medical training, and we’re certainly not doctors! So, should you have any specific medical questions that you would like to get answers to, we’re probably the last group of individuals you’d want to ask.
All we are is a bunch of life insurance agents who just happen to be really good at helping folks who have been diagnosed with a wide variety of pre-existing medical conditions like an atrial septal defect find and qualify for the life insurance coverage that they are looking for.
Which is why…
If you’re looking for medical help or for some to answer any of your “medical” questions, you should probably call a local medical professionals in your area. But, if you’re looking for help finding the “best” life insurance policy that you can qualify for, you’re in luck because we can help!
What rate (or price) can I qualify for?
As you can see from the questions above, there are a lot of factors that can come into play regarding what “kind” of rate an individual might qualify for after having been diagnosed with an atrial septal defect. 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 minutes.
That said however…
What we can say for sure is that if your atrial septal defect is small or has been surgically repaired and you’re not really suffering from any symptoms of your congenital defect, there is a reasonable chance that you should still be considered “eligible” for a Preferred rate provided that you would otherwise be regarded as eligible for such a rate.
Or, in other words…
If your atrial septal defect really isn’t causing you any significant issues, and it doesn’t appear to be affecting your overall “cardiac” health, having been diagnosed with an atrial septal defect really shouldn’t affect the outcome of your life insurance application.
Where we run…
Into trouble is when an individual hasn’t corrected their problem, and they are beginning to exhibit some serious consequences of this disorder such as:
- A heart murmur,
- Pulmonary hypertension,
- Shortness of breath,
- Swelling of the lower extremities,
- , etc.…
In cases like these…
It may still be possible for them to be able to qualify for a traditional term or whole life insurance policy; now, their chances of being able to qualify for a Standard or better rate will certainly be challenging and, in some cases, impossible! In some situations, we may even find that an individual may not be able to qualify for “traditional” coverage at all and may need to look at some “alternative” options such as a guaranteed issue life insurance policy or an accidental death policy.
The good news is…
That should you decide to give us a call here at IBUSA, you won’t need to try and figure out all of this on your own, and you’ll have us to here to answer any questions you may have along the way. This brings us to the last topic that we wanted to take a moment and discuss, which is…
What can I do to help ensure that I get the “best life insurance” for me?
In our experience here at IBUSA, we have found that usually, the folks who seem to find the “best” life insurance policy for them are those that:
- Take their time reviewing their options.
- Ask a lot of questions.
And seek out…
Those life insurance agents who not only have experience working with individuals who have been diagnosed with a wide variety of pre-existing medical conditions but also have access to dozens of different life insurance companies so that when it comes time to helping a more “challenging” case, they don’t have to rely on a…
“One size fits all approach!”
The good news is that this is exactly what you’re going to find here at IBUSA!