Life Insurance with a Carotid Bruits.
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 Bruits.
- Can I qualify for life insurance if I have been diagnosed with Carotid Bruits?
- Why do life insurance companies care if I have been diagnosed with Carotid Bruits?
- 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 Bruits?
Yes, individuals can and often will be able to qualify for a traditional term or whole life insurance policy after having been diagnosed with a Carotid Bruits. The only problem is that in most cases, these individuals will only be able to qualify for a Table or High-Risk classification, which will mean that these individuals will want to be much more “selective” with which life insurance companies that choose to apply with.
For this reason…
It’s probably best to avoid applying for any kind of no medical exam term life insurance policy, simply because these “types” of insurance products tend to be a bit more difficult to qualify for after one has been diagnosed with a pre-existing medical condition like Carotid Bruits.
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Why do life insurance companies care if I have been diagnosed with Carotid Bruits?
It’s safe to say that any time an individual has been diagnosed with a pre-existing medical condition that affects the heart most (if not all), life insurance companies are going to be interested in that fact. And in cases like Carotid Bruits, which may function as an indicator or a more significant medical issue this is certainly the case.
The term Carotid Bruits is a medical term used to describe the vascular sound that can be heard with a stethoscope over the carotid artery, which is the direct result of one’s blood not flowing freely or smoothly within the carotid artery. This turbulent blood flow is typically caused due to some “type” of stenosis, which is usually caused by a “lesion” that reduces the width of one’s carotid artery (think atherosclerosis).
Being diagnosed with a Carotid Bruits isn’t going to automatically preclude you from being able to qualify for a traditional term or whole life insurance policy, it’s usually going to complicate matters which is why one should expect that before being approved for a traditional life insurance policy he or she is probably going to have to answer a series of medical questions about their Carotid Bruits as well as submit their medical records to the insurance company as well.
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 Carotid Bruits?
- Who diagnosed with Carotid Bruits? A general practitioner or a cardiologist?
- What symptoms (if any) led to your diagnosis?
- What treatment options have you pursued?
- Has your doctor suggested that you may need any surgical procedures?
- Have you been diagnosed with any other pre-existing medical conditions?
- Have you ever suffered from a heart attack or stroke?
- Have any of your immediate family members ever been diagnosed with cancer, heart disease, or diabetes?
- Have any of your immediate family members suffered from a heart attack or stroke?
- In the past two years, have you been hospitalized for any reason?
- In the past 12 months, have you used any tobacco or nicotine products?
- What are your current height and weight?
- Are you currently working?
- In the past 12 months, have you applied for or received any type 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 Carotid Burits, find and qualify for the life insurance coverage that they are looking for.
We’re 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” can I qualify for?
Now, as you can see, there are many factors that can come into play when trying to determine what kind of “rate” an individual might qualify for after having been diagnosed with a Carotid Bruits. For this reason, it’s almost impossible to know for sure what “kind” of rate you might qualify for without first speaking with you.
That said however…
There are a few “assumptions” that one can make when helping someone who has been diagnosed with a Carotid Bruits, which will “generally” hold true. For example, in most cases like these, what we have found here at IBUSA is that most of the time, individuals who have been diagnosed with a Carotid Bruits won’t be able to qualify for a Standard or Better rate.
Which means that…
They will “usually” automatically be considered a High-Risk applicant which means that we’ll want to be particularly careful with “which” life insurance companies we choose to apply with so that we’re not wasting anyone’s time applying with companies which we know aren’t going to have the “best” pricing for high-risk applicants.
We should note though…
That there will be cases where an individual has had a surgical procedure performed which may have eliminated or “corrected” one’s Carotid Bruits, which is great, but even in cases like these, only rarely will you see someone considered eligible for a Standard rate.
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 a Carotid Bruits?
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 Guaranteed Issue 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!