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 Idiopathic Hypertrophic Sub-Aortic Stenosis (IHSS).
Questions that will be addressed will include:
- Can I qualify for life insurance if I have been diagnosed with Idiopathic Hypertrophic Sub-Aortic Stenosis (IHSS)?
- Why do life insurance companies care if I have been diagnosed with Idiopathic Hypertrophic Sub-Aortic Stenosis (IHSS)?
- 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 have been diagnosed with Idiopathic Hypertrophic Sub-Aortic Stenosis (IHSS)?
Some individuals diagnosed with Idiopathic Hypertrophic Sub-Aortic Stenosis (IHSS) can and often will be able to qualify for a traditional term or whole life insurance policy.
The only problem is…
That is because IHSS is a pretty serious pre-existing medical condition which can cause some pretty significant complications in most (if not all) life insurance companies that want to learn a lot more about your situation before making any kind of decisions about the outcome of your life insurance application.
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 IHSS.
Why do life insurance companies care if I have been diagnosed with Idiopathic Hypertrophic Sub-Aortic Stenosis (IHSS)?
Any time an individual has been diagnosed with a pre-existing medical condition having to do with one’s heart, it’s pretty safe to say that most (if not all) of the best life insurance companies are going to “care” about it. And this is what we see when it comes time to helping someone who has been diagnosed with Idiopathic Hypertrophic Sub-Aortic Stenosis.
This is why…
We wanted to take a moment and just briefly describe what Idiopathic Hypertrophic Subaortic Stenosis is so that we can get a better idea about what a life insurance underwriter will be looking for when making his or her decision about your pending life insurance application.
Idiopathic Hypertrophic Subaortic Stenosis (IHSS) Defined:
Idiopathic Hypertrophic Sub-Aortic Stenosis is a disease that is characterized by marked hypertrophy of the left ventricle. As a result of this “hypertrophy,” what happens is that the actual walls of the ventricle chamber begin to “thicken”, which in turn causes a “narrowing” or stenosis of the ventricular chamber which in turn can cause a wide variety of issues/complications or visible symptoms.
Symptoms may include:
- Shortness of breath and/or chest pain during exercise,
- Dizziness, fainting or feelings of vertigo,
- Heart palpitations,
- Heart murmurs,
- Etc…
Serious complications may include:
Unfortunately…
There isn’t any way for someone to reverse the effects of Idiopathic Hypertrophic Sub-Aortic Stenosis (IHSS) however, there are several ways that an individual can minimize the effect that IHSS can have on one’s day to day life as well as reduce one’s risk of possibly suffering from or developing one of IHSS’s most serious complications.
Treatment options may include:
- Surgical options,
- Medications,
- And diet.
Now…
Before anyone gets too upset or beings complaining about the simplicity of our definitions that we’re using here, it’s important to understand that we here at IBUSA aren’t medical experts of 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 the one’s described above find and qualify for coverage.
Which means that…
Because we’re not going to be the one “diagnosing” your condition, all we need to do is understand that there are differences between these different pre-existing medical conditions and those differences are going to affect how a life insurance underwriter is going to consider you as a potential “risk”. The good news is that despite how simply our definitions of these diseases may be, this is something that we actually have down pat!
Which is why…
When we are approached by an individual who has been diagnosed with any of these “kinds” of conditions, we’re going to know right away what questions a life insurance underwriter is going to want to know the answers too before he or she will be willing to make any kind of decision about the outcome of your life insurance application.
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 Idiopathic Hypertrophic Sub-Aortic Stenosis (IHSS)?
- Who diagnosed your Idiopathic Hypertrophic Sub-Aortic Stenosis (IHSS)?
- What symptoms (if any) led to your diagnosis?
- Have you been diagnosed with any other pre-existing medical conditions?
- Have you ever suffered from a heart attack or stroke?
- Are you currently taking any prescription medications?
- In the past two years, have you been admitted into a hospital 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 facts that can come into play when trying to determine what kind of “rate” that an individual might be able to qualify for after having been diagnosed with Idiopathic Sub-Aortic Stenosis which is why it’s pretty much impossible to know what “rate” you might be able to qualify for without first speaking with you directly.
That said, however…
There are a few “assumptions” that we can make about those diagnosed with IHSS, which will generally hold true when applying for a traditional term or whole life insurance policy.
For example, if you have been diagnosed with IHSS prior to age 40, your chances of being able to qualify for a traditional life insurance policy will be significantly worse than those diagnosed with this condition after age 40.
As for those…
Who have been diagnosed after age 40, hat you’re typically going to find is that most life insurance are still going to consider you a “high-risk” applicant. This means that you probably won’t be able to qualify for anything other than a “sub-standard” rate.
And while this…
May not be what you want to hear, one should know that qualifying for a Standard or better rate isn’t always an easy task, even for those who haven’t been diagnosed with any pre-existing medical conditions!
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 IHSS?
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 Final Expense Insurance Companies as well so that if 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.
