Life Insurance with Heart Palpitations.
In this article, we wanted to take a moment and try and answer some of the most common questions we get from folks applying for life insurance with Heart Palpitations.
Questions that will be addressed will include:
- Can I qualify for life insurance if I have been diagnosed with Heart Palpitations?
- Why do life insurance companies care if I’ve been diagnosed with Heart Palpitations?
- 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 Heart Palpitations?
Yes, individuals who have been diagnosed with a Heart Palpitation can and often will be able to qualify for a traditional term or whole life insurance policy. In fact, many may even be able to qualify for a Preferred Plus rate!
The problem is…
That despite the fact that most Heart Palpitations will be considered harmless by the medical community and life insurance industry as a whole, in some cases they may be symptoms of a larger underlying pre-existing medical condition which could be quite serious.
Why do life insurance companies care if I’ve been diagnosed with Heart Palpitations?
As we just stated, the main reason why a life insurance company is likely to “care” if you’ve been diagnosed with a Heart Palpitation is because, in some cases having one is just one of many symptoms that could signify “other” more significant cardiovascular diseases. For this reason, we wanted to take a moment and discuss exactly what a “heart palpitation” is as well as highlight some of the most common symptoms associated with this disease so that we can have a better idea of what a life insurance underwriter will be looking for when making his or her decision about your application.
Heart Palpitations Defined:
Heart Palpitations, are the feelings one has of experiencing a fast-beating, fluttering or pound heartbeat. This “feeling” can be quite troubling or worrisome, however in most cases, heart palpitations are considered harmless.
In most cases…
Suffering from a Heart Palpitation won’t cause any “significant” symptoms, other than an irritating “flutter”. However, should one being to experience any of the following symptoms they should seek out medical care immediately. Symptoms such as:
- Dizziness or lightheadedness,
- Fainting or loss of consciousness,
- Confusion or difficulty concentrating,
Common causes may include:
- Strenuous exercise,
- Tobacco or nicotine usage,
- Side effects of certain medications,
- Illicit drug use,
Heart Palpitations may also be symptomatic of:
Which brings us to an important point that we think we ought to mention.”
If you think you have a medical issue, don’t use the internet to try and diagnose yourself. After all, if you do and your 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 cause great harm to yourself!
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 individual 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!
Trying to “prep” you for what it might be like to apply for a life insurance policy after you have been diagnosed with a Heart Palpitation… that’s it! Which 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 were your first diagnosed with Heart Palpitations?
- Who diagnosed your Heart Palpitations? A general practitioner? A cardiologist? Yourself?
- What symptoms led to your diagnosis?
- Have you been diagnosed with any other pre-existing medical conditions?
- Have you ever suffered from a heart attack or a stroke?
- Have any of your immediate family members (mother, father, brother or sister) ever been diagnosed with cancer, heart disease, or diabetes?
- Have any of your immediate family member ever suffered form heart attack or stroke?
- Are you currently taking any prescription medications?
- What is your current height and weight?
- In the past 2 years, have you been hospitalized 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?
What rate (or price) can I qualify for?
As you can see, there are a lot of variables that can come into play when trying to determine what kind of “rate” an individual who has been diagnosed with Heart Palpitations. This is why it’s pretty much impossible to know what kind of “rate” you might be able to qualify for without first speaking with you directly.
That said however…
Most individuals who have bene diagnosed with Heart Palpitations will usually fall into one of two different categories that we can make some “assumptions” about that will generally hold true.
Will consist of those who have developed a Heart Palpitation due to some kind of physical condition which is likely to pass or could be for no discernable reason at all. In cases like these, what we’ll generally find is that most life insurance companies aren’t going to necessarily use a Heart Palpitation diagnosis as a factor during the underwriting process.
Which means that…
In cases like these, it’s quite possible that someone might be able to qualify for a Preferred rate if they are able to meet all of the other necessary requirements for such a rate.
Will consist of individuals who suffer from some type of “pre-existing medical condition” which has caused them to develop a Heart Palpitation. In cases like these, what we’re generally going to find is that the underlying pre-existing condition, not the Heart Palpitation symptom, that is going to determine what kind of “rate” that you’ll be able to qualify for. For more information about the condition that is causing you to suffer from a Heart Palpitation and how it may affect the outcome of your life insurance application, we would recommend that you take a look at our Pre-Existing Medical Conditions page.
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 so, if you ready to find out what we can do for you, just give us a call and let give us a chance to show you what we can do for you!