≡ Menu

≡ Menu

Life Insurance with a Pulmonary Infarction. Everything You Need to Know at a Glance!


Life Insurance with a Pulmonary Infarction.

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?

Common questions you’ll likely be asked may include:

  • When did your first suffer from a Pulmonary Infarction?
  • How many Pulmonary Infarctions have you ever suffered from?
  • How was it determined that you have suffered from a Pulmonary Infarctions?
  • How large was the damage done to your lung?
  • Do you currently suffer from any “lingering” effects from your Pulmonary Infarction?
  • Have you been diagnosed with any other pre-existing medical conditions?
  • Have you been diagnosed with any respiratory conditions such as Chronic Obstructive Pulmonary Disease or Asthma?
  • 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?
  • Are you currently working now?
  • In the past 12 months, have you applied for or received any form of disability benefits?

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?

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!

0 comments… add one

Leave a Comment

16 − 15 =