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 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 no exam life insurance policy at a Preferred Plus rate!
The problem is…
That even though 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 that 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 most of the best life insurance companies are likely to “care” if you’ve been diagnosed with a Heart Palpitation is that 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 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 their decision about your application.
Heart Palpitations Defined:
Heart Palpitations are the feelings one has of experiencing a fast-beating, fluttering, or pounding 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 begin to experience any of the following symptoms, they should seek 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:
- An arrhythmia,
- Heart disease,
- A defective heart valve,
“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 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!
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 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!
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?
When applying for life insurance, you will typically be asked to provide detailed information about your medical history, including any history of heart palpitations. The insurance company may ask you to provide the following information:
- Date of onset: The insurance company will want to know when you first experienced heart palpitations, as this will help them to understand the duration and severity of your condition.
- Symptoms: The insurance company will want to know the symptoms you have experienced as a result of your heart palpitations, including any chest pain, shortness of breath, or lightheadedness.
- Diagnosis: The insurance company will want to know how your heart palpitations were diagnosed, whether through a physical examination, electrocardiogram (ECG), or other diagnostic tests.
- Treatment history: The insurance company will want to know what treatments you have received for your heart palpitations, including medications and other therapies. They will also want to know the dates of your treatments and the outcomes of those treatments.
- Prognosis: The insurance company will want to know the prognosis for your heart palpitations, which is a prediction of the likely course of the condition and your chances of recovery. Your prognosis will be based on the severity of your condition, your treatment history, and other factors such as your age, overall health, and lifestyle.
It’s important to be honest and transparent when providing this information to the insurance company, as providing false or misleading information on your application could result in your policy being denied or terminated
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 been 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 discernible 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, we’re generally going to find that the underlying pre-existing condition, not the Heart Palpitation symptom, is going to determine what kind of “rate” 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. 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 Heart Palpitation?
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.
So, if you’re ready to see what options might be available to you, just give us a call!