Life Insurance with a Carotid Sinus Syncope.

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 Carotid Sinus Syncope (Cause unknown).

• Can I qualify for life insurance if I have been diagnosed with Carotid Sinus Syncope?
• Why do life insurance companies care if I have been diagnosed with Carotid Sinus Syncope?
• What kind of information will the insurance companies ask me or be interested in?
• What “rate” 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 Carotid Sinus Syncope?

Yes, individuals who have been diagnosed with a Carotid Sinus Syncope can and often will be able to qualify for a traditional term or whole life insurance policy. The only problem is that most of the top-rated life insurance companies you’re probably already familiar with will consider anyone who suffers from this condition a “higher-risk” applicant.

Which means that…

There life insurance application may become more complicated and could require one to have to submit their medical records to the insurance company prior to actually being approved for coverage. 

Which isn’t really all that big of a deal but will usually eliminate one’s ability to apply for a no medical exam term life insurance policy right off the bat!

Why do life insurance companies care if I have been diagnosed with Carotid Sinus Syncope?

In order to understand “why” a life insurance company is likely to “care” if you’ve been diagnosed with Carotid Sinus Syncope, it pays first to take a look at exactly what Carotid Sinus Syncope is and discuss some of the complications which can arise by suffering from this condition.

Carotid Sinus Syncope Defined:

Is a condition which occurs when one’s own body has an exaggerated response to one’s own carotid sinus baroreceptor. Now it’s important to understand that baroreceptors are sensors that are located in the carotid sinus and the aortic arch, which are designed to sense pressure changes within the arterial wall and respond accordingly.

The problem is…

That when an individual suffers from Carotid Sinus Syncope, their response to these senor changes are exaggerated, causing individuals to experience a wide variety of different symptoms including:

• Dizziness,
• Fainting,
• Bradycardia,
• A sudden drop in blood pressure (Orthostatic Hypotension),
• Etc…

And where we…

Run into trouble is when the “cause” of one’s Carotid Sinus Syncope isn’t known. In cases like these, it’s quite possible that an individual may still be able to qualify for a traditional term or whole life insurance policy only now they may only be able to do so at a Higher-Risk category. 

This is also “why,” one should expect to be asked quite a few questions about their Carotid Sinus Syncope condition before being approved for coverage.

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

• When were you first diagnosed with Carotid Sinus Syncope?
• Who diagnosed your Carotid Sinus Syncope? A general practitioner or a cardiologist?
• What symptoms (if any) led to your diagnosis?
• Has a “cause” for your Carotid Sinus Syncope been determined?
• Has your doctor recommended any treatment options?
• Have you been diagnosed with any other pre-existing medical conditions?
• Have you ever suffered from a heart attack or stroke?
• In the past 12 months, have you used any tobacco or nicotine products?
• In the past two years have you been admitted into a hospital for any reason?
• In the past 12 months, have you used any tobacco or nicotine products?
• 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 usually like to take a moment and remind folks that nobody here at IBUSA has any medical training, and we’re certainly not doctors. All we are is a bunch of life insurance agents who just happen to be really good at helping folks with pre-existing medical conditions like Carotid Sinus Syncope, find and qualify for the life insurance coverage that they are looking for.

So, without further ado, let’s take a look at what kind of rates an individual who has been diagnosed with a Carotid Sinus Syncope might be able to qualify for!

What “rate” can I qualify for?

When it comes time to understand what kind of “rate” an individual might be able to qualify for after having been diagnosed with Carotid Sinus Syncope, what you’re generally going to find is that there two different “categories” that an applicant can fall into.

The first will be…

Those that have been diagnosed with Carotid Sinus Syncope, which is caused by a defined or determined factor. In cases like these, their Carotid Sinus Syncope will typically be treated as a “symptom” of this underlying cause or pre-existing medical condition, which will likely be the main determinant of the outcome of their life insurance application.

The second group of…

Applicants will fall into a category where the “cause” of one’s Carotid Sinus Syncope remains unknown or unclear. In cases like these, what you’re likely going to find is that these individuals will automatically be classified as a “high-risk”.

The good news is…

That regardless of your situation, we here at IBUSA can help because we have tons of experience helping folks with all sorts of pre-existing medical conditions like yours and are committed to helping all of our clients find the “best” life insurance policy that they can qualify for. 

Which 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, what 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!

Now, will we be able to help out everyone who has been previously diagnosed with Carotid Sinus Syncope?

No, probably not. But what we can tell you is that in addition to offering a wide variety of different term and whole life insurance policies, IBUSA has also worked very hard to establish relationships with many of the Best Burial Life Insurance Companies as well so that in the event that someone isn’t able to qualify for a traditional life insurance policy, chances are there may be some other “type” of product that you CAN qualify for.

So, if you’re ready to see what options might be available to you, just give us a call!