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 with Pulmonary Infarction.

Questions that will be addressed will include:

• Can I qualify for life insurance if I have been diagnosed with a Pulmonary Infarction?
• Why do life insurance companies care if I’ve been diagnosed with a Pulmonary Infarction?
• 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’ve been diagnosed with a Pulmonary Infarction?

Yes, individuals who have been diagnosed with a Pulmonary Infarction can and often will be able to qualify for a traditional term or whole life insurance policy. In fact, some may even be able to qualify for a Preferred rate!

The problem is…

Simply knowing that you have suffered from a Pulmonary Infarction isn’t going to be enough information for a life insurance underwriter to make his or her decision about your life insurance application. In order to do that, most (if not all) of the top life insurance companies are going to want to know how “serious” our Pulmonary Infarction was as well as “what” potentially caused you to suffer from one!

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 previous Pulmonary Infarction.

Why do life insurance companies care if I’ve been diagnosed with a Pulmonary Infarction?

The main reason why a life insurance company is going to “care” if you have been diagnosed with a Pulmonary Infarction is that in some cases, it can be caused by a variety of different pre-existing medical conditions which can have a significant effect on whether or not you’ll be able to qualify for a traditional term or whole life insurance policy.

In cases like these…

A Pulmonary Infarction is treated more like a “symptom” of some other more “serious” pre-existing medical condition rather than the actual disease itself. This is why we wanted to take a moment and discuss what a Pulmonary Infarction is as well as highlight some of the most common symptoms/complications of this disease so that we can gain a better understanding of what a life insurance underwriter will be looking for when making his or her decision about your application.

Pulmonary Infarction Defined:

A Pulmonary Infarction is a condition that occurs when the lung tissue does not receive enough blood flow and/or oxygen and actually dies. The most common cause is usually a pulmonary embolus. Fortunately, when this occurs, the infarction is usually small and won’t cause any long term or permanent complications.

Symptoms may include:

• Blood-stained sputum,
• Sharp chest pain while inhaling,
• Fever.

Serious complications may include:

• Hemorrhage,
• Thrombophlebitis,
• Heparin-inducted thrombocytopenia,
• Death.

Fortunately…

Most cases won’t progress into a serious “life-threatening” medical condition and will begin to improve on their own over the course of several days, with a notable decrease in the amount of pain from day to day. 

However…

In some cases, anticoagulation, as well as thrombolytic (clot-busting) therapy may be warranted, particularly if you suffer from so “other” pre-existing medical conditions that may increase your risk of suffering from future Pulmonary Infarctions.

Conditions such as:

• Vasculitis,
• Angio-invasive infections,
• Sickle-cell disease,
• Tumor embolisms,
• And/or pulmonary torsion.

 “Which brings us to an important point that we think we ought to mention.”

First…

If you think you have a medical issue, don’t use the internet to try and diagnose yourself. After all, if you do and you’re correct, you’re still going to need to see the doctor, and if you’re wrong, the time you spend being your own doctor could really harm yourself!

Second…

Nobody here at IBUSA is medically trained, and we’re certainly not doctors. All we ware is a bunch of life insurance agents who just happened to be really good at helping individuals find and qualify for the life insurance that they’re looking for. So please don’t mistake any of the medical information that we talk about as medical advice because it’s not!

We’re just…

Trying to “prep” you for what it might be like to apply for a life insurance policy after you have been diagnosed with Pulmonary Infarction… that’s it! This brings us to our next topic, which is…

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

If you have had a pulmonary infarction and you are applying for life insurance, the insurance company may be interested in the following information:

1. The date of your pulmonary infarction: The insurer will want to know when the infarction occurred and if it was a single event or if you have experienced multiple infarctions.
2. The cause of your pulmonary infarction: The insurer will want to know what led to the infarction, such as a blood clot, trauma, or a respiratory condition.
3. The severity of your pulmonary infarction: The insurer may ask about the extent of the damage caused by the infarction and if it has caused any lasting complications.
4. The treatment you received for your pulmonary infarction: The insurer will want to know what medical treatment you received for the infarction, such as medication, surgery, or other interventions.
5. Your current health status: The insurer may ask about your current health status, including any ongoing symptoms or complications related to your pulmonary infarction, as well as any other medical conditions you may have.
6. Your lifestyle factors: The insurer may also ask about your lifestyle factors, such as smoking, alcohol consumption, and exercise habits, as these factors can affect your overall health and life expectancy.

Providing complete and accurate information about your pulmonary infarction and overall health is important for obtaining the most accurate and appropriate life insurance coverage for you.

What rate (or price) can I qualify for?

As you can see, there are many variables that can come into play when trying to determine what kind of “rate” an individual diagnosed with a Pulmonary Infarction. This is why it’s almost impossible to know what kind of “rate” you might qualify for without first speaking with you directly.

That said, however…

Most individuals who have been diagnosed with a Pulmonary Infarction will usually fall into one of two different categories that we can make some “assumptions” about that will generally hold true.

Category #1.

Individuals in the group will be those who have suffered from a previous Pulmonary Infarction, made a full recovery, and don’t “seem” to suffer from any other pre-existing medical conditions which might make it more likely that they would suffer from another Pulmonary Infarction in the future.

In cases like these, what you commonly find is that whatever “rate” an individual would have been able to qualify for BEFORE being diagnosed with a Pulmonary Infarction should be the same “rate” that they would be able to qualify for AFTER they have been diagnosed with a Pulmonary Infarction. This is how it may be possible for someone who has been diagnosed with a Previous Pulmonary Infarction to be able to qualify for a Preferred rate.

Category #2.

Will consist of folks who have been diagnosed with a previous Pulmonary Infarction, but either haven’t made a full recovery (yet?) or suffer from some kind of pre-existing medical condition which could potentially increase their risk of suffering from a future Pulmonary Infarction. 

In cases like these, what we’ll typically find is that the severity of one’s “lingering effects” and/or the underlying pre-existing medical condition causing them to suffer from Pulmonary Infraction(s) will be the main determinate deciding what kind of “rate” that they may be able to qualify for. Fortunately, many of these individuals will still be able to qualify for a traditional life insurance policy, but as you can imagine, they probably won’t be able to qualify for a Preferred rate.

At this point…

We should also mention that up until now; we’ve only been discussing what it will be like to apply for a traditional life insurance policy after being diagnosed with a type of “lung disease” as a non-smoker. For those who do actively use some type of tobacco or nicotine product or have used one in the past 12 months, it’s fair to say that most life insurance policies will use your “habit” as a reason to discriminate against you in either the form of “denying” your application or causing you to have pay a lot more for you coverage.

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?

If you have been diagnosed with pulmonary infarction and you are looking to obtain the best life insurance coverage for you, here are some tips to help you along the way:

1. Be honest and upfront about your medical history: When you apply for life insurance, it is important to provide complete and accurate information about your medical history, including your pulmonary infarction diagnosis. This will help ensure that the insurer has an accurate understanding of your health and can provide you with the most appropriate coverage.
2. Work with a licensed and experienced insurance agent: An agent can help you navigate the application process and find the best policy for your needs. They can also help you understand the underwriting process and work with the insurance company to get you the most favorable coverage.
3. Maintain a healthy lifestyle: After a pulmonary infarction, it is important to follow your doctor’s recommendations for maintaining your health, including any medication regimens, exercise plans, or dietary restrictions. By doing so, you can demonstrate to the insurance company that you are taking proactive steps to manage your condition and improve your overall health.
4. Shop around: Different insurance companies have different underwriting guidelines, so it may be beneficial to shop around and compare policies from multiple providers. This can help you find the best coverage and rates for your specific situation.
5. Consider a guaranteed issue policy: If you have been denied coverage or are unable to qualify for traditional life insurance due to your pulmonary infarction diagnosis, you may want to consider a guaranteed issue policy. These policies do not require a medical exam or underwriting, but they may have higher premiums and lower coverage limits than traditional policies.

Remember, obtaining the best life insurance coverage after a pulmonary infarction diagnosis may require some extra effort and research, but it is possible to find coverage that meets your needs and fits within your budget. Working with an experienced insurance agent and maintaining a healthy lifestyle can increase your chances of obtaining the most favorable coverage.