Life Insurance with a Functional or Innocent Heart Murmur.
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 being diagnosed with a Functional Murmur, Innocent Murmur, or a Physiological Murmur.
Questions that will be directly addressed will include:
- Can I qualify for life insurance if I have been diagnosed with a Functional Murmur?
- Why do life insurance companies care if I’ve been diagnosed with a Functional Murmur?
- 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 if I have been diagnosed with a Functional Murmur?
Yes, individuals who have been diagnosed with a Functional Murmur 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 rate.
The only problem is…
That before a life insurance underwriter is going to be prepared to make a decision about your life insurance application; they’re going to want to be sure that your “Functional Murmur” isn’t actually some other “kind” of heart murmur with unlike a Functional Murmur could be potentially harmful.
It’s also why…
You may want to consider avoiding applying for a no medical exam term life insurance policy as well, seeing how these policies tend to be more difficult to qualify for after someone has been diagnosed with a pre-existing medical condition like a heart murmur.
Why do life insurance companies care if I’ve been diagnosed with a Functional Murmur?
Because a Functional Murmur is a heart murmur that is primarily caused by “something” that is not necessarily part of the actual physiological condition of the heart per se, most life insurance companies aren’t going to be as “nervous” about it.
They’re going to be more concerned about what’s causing you to suffer from a function murmur which is why we want to just take a moment and clearly define what a Functional Murmur is, and clearly state how these “types” of murmurs will differ from other kinds of organic or pathological murmurs.
Functional Murmur Definition:
A Functional Murmur, Innocent Murmur, or Physiological Murmur is a “heart murmur” that is primarily caused by some kind of physiological condition outside of the actual heart itself, which causes a murmur to occur in what would otherwise be considered a “normal” and “healthy” heart.
Conditions which could cause a Functional Murmur to occur may include:
There is a reason why these “kinds” of heart murmurs are commonly referred to as “functional” and “innocent” because, at the end of the day, they’re usually not going to cause someone any difficulty or discomfort. They’re also not going to pose any kind of serious threat to one’s health which is why once a life insurance company realizes that your “heart murmur” is actually a Functional Heart Murmur, you should be good to go!
What kind of information will the insurance companies ask me or be interested in?
Common questions you’ll likely be asked may include:
- When were you first diagnosed with a Functional Murmur?
- Who diagnosed your Functional Murmur? A general practitioner or a Cardiologist?
- What symptoms (if any) led to your diagnosis?
- Have you been diagnosed with any other “heart related” conditions?
- Have you been diagnosed with ANY other pre-existing medical conditions?
- Have you ever suffered from a heart attack or a stoke?
- Have any of your immediate family members ever been diagnosed with cancer, heart disease, diabetes, or suffered from a heart attack or stroke?
- What are your current height and weight?
- In the past 12 months, have you used any tobacco or nicotine products?
- In the past two years, have you been hospitalized for any reason?
- 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 “official” 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 this one, find and qualify for the life insurance coverage that they are looking for.
Not so great if you’re looking for answers to any specific medical questions. In cases like these, we would recommend that you contact a true medical professional who has the training to help. For everyone else, you’re in luck because now we’re going to get into some of the “nitty-gritty” about what you may or may not be able to qualify for.
What rate (or price) can I qualify for?
Now, as you can see, there are a lot of factors that can come into play when trying to determine what kind of “rate” that an individual might be able to qualify for after they have been diagnosed with a Function or Innocent Heart Murmur. This is why it’s pretty much impossible to know what kind of “rate” that you might be able to qualify for without first speaking with you directly!
That said, however…
There are a few “assumptions” that we can make about those who have been diagnosed with a Functional Heart Murmur that will generally hold true. For example, if you have been diagnosed with a Functional Heart Murmur and don’t seem to be suffering from any other pre-existing medical conditions, such as anemia or hypothyroidism, it is “reasonable” to assume that your Functional Heart Murmur diagnosis isn’t going to play a role in the outcome of your life insurance application.
Or, in other words…
Whatever rate that you would have been able to qualify for PRIOR to being diagnosed with a Functional Murmur should be the same rate that you would be able to qualify for AFTER having been diagnosed with a Functional Heart Murmur.
Even in cases where your Innocent Murmur may be caused because you are anemic or because you have been diagnosed with hypothyroidism, these is still a really good chance that you too may be able to qualify for a Preferred rate only now it will be these two pre-existing medical conditions which will usually take precedence during your life insurance application.
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. 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, 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 a functional heart murmur?
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.