In this article, we wanted to take a moment and try to answer some of the most common questions we get from folks applying for life insurance with Wolff-Parkinson-White Pattern (WPW).

Questions that will be addressed will include:

• Can I qualify for life insurance if diagnosed with Wolff-Parkinson-White Pattern (WPW)?
• Why do life insurance companies care if I’ve been diagnosed with Wolff-Parkinson-White Pattern (WPW)?
• What kind of information will the insurance companies ask me or be interested in?
• What rate (or price) can I qualify for?
• How can I help ensure I get the “best life insurance” for me?

So, without further ado, let’s dive right in!

Can I qualify for life insurance if diagnosed with Wolff-Parkinson-White Pattern (WPW)?

Yes, individuals who have been diagnosed with Wolff-Parkinson-White Pattern can and often will be able to qualify for a traditional term or whole life insurance policy. Some may even be able to qualify for some of the best no-medical-exam life insurance companies at a Preferred rate!

The only problem is…

Simply knowing that you have been diagnosed with Wolff-Parkinson-White Pattern isn’t going to be enough information for a life insurance underwriter to be able to make their decision about your life insurance application. This is because, in some cases (particularly when left untreated), suffering from Wolff-Parkinson-White Pattern can cause some to develop some pretty significant complications.

Why do life insurance companies care if I’ve been diagnosed with Wolff-Parkinson-White Pattern (WPW)?

What you’re generally going to find is that most top life insurance companies are going to be all that worried about an individual who has been diagnosed with Wolff-Parkinson-White Pattern disease, provided that they are properly treating their condition or at the very least making sure that their primary care physician is monitoring their condition regularly.

This is mainly because…

When left “unchecked,” some folks may develop some pretty significant complications, many of which most (if not all) life insurance companies will be concerned about. This is why we wanted to take a moment to discuss the Wolff-Parkinson-White Pattern and highlight some of the most common symptoms/complications that can occur with this disease.

Wolff-Parkinson-White Pattern (WPW) Defined:

Wolff-Parkinson-White Pattern is a condition whereby someone has an “extra” electrical pathway leading to one’s heart. As a result, the heart can receive multiple stimuli consecutively, causing it to beat too quickly (tachycardia).

Common symptoms may include:

• Heart palpitations,
• Lightheadedness,
• Dizziness,
• Fatigue,
• Fainting,
• Anxiety.

Serious complications may include:

• Low blood pressure,
• Loss of consciousness,
• Heart attack,
• Heart Failure,
• Premature death.

Fortunately, for most, these potentially “serious” complications will never materialize. However, it’s important to keep in mind that it’s always important to maintain a close working relationship with your doctor so that they can monitor your condition and take any necessary steps should it appear that your WPW syndrome is becoming more of a severe condition for you.

“This brings us to an important point 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’ll still need to see the doctor, and if you’re wrong, the time you spend being your doctor could cause significant harm to yourself!

Second…

Nobody here at IBUSA is medically trained; we’re certainly not doctors. All we are is a bunch of life insurance agents who just happened to be really good at helping individuals find and qualify for the life insurance they’re looking for. So please don’t mistake any of the medical information we discuss 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 Wolff-Parkinson-White Pattern… 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?

Typical questions you’ll likely be asked may include:

• When were you first diagnosed with Wolff-Parkinson-White Pattern?
• Who diagnosed your Wolff-Parkinson-White Pattern? A general practitioner or a specialist?
• What symptoms (if any) led to your diagnosis?
• Have you been diagnosed with any other pre-existing medical conditions?
• Have you suffered from a heart attack or a 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?
• 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, many variables can come into play when trying to determine what kind of “rate” an individual who has been diagnosed with Wolff-Parkinson-White Pattern. 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 diagnosed with Wolff-Parkinson-White Pattern will usually fall into one of two categories that we can make some “assumptions” about that will generally hold true.

Category #1.

The first group of folks that we’ll commonly encounter will be those who have been diagnosed with Wolff-Parkinson-White Pattern but don’t seem to be suffering from any “serious” symptoms that can be associated with this disease and haven’t been diagnosed with any other pre-existing conditions.

In cases like these, what you’re likely to find is that most life insurance companies aren’t really going to use one’s previous Wolff-Parkinson-White Pattern diagnosis as a reason to discriminate against someone, which is “why” some folks may be able to qualify for a Preferred rate despite this diagnosis.

Category #2.

Individuals who will fall into this category will be those who either are exhibiting some of the more “serious” complications of this disease or have, in addition to being diagnosed with Wolff-Parkinson-White Pattern, also been diagnosed with some other “type” of pre-existing medical condition as well.

In cases like these, you’ll commonly find that individuals may still qualify for a traditional life insurance policy, but now they can only qualify for a “Substandard” or Table rate. They are usually ranging somewhere around Table A-D.

Table rates…

Are life insurance rates that are typically reserved for “higher risk” applicants and range from Table A, which would be considered the “best” or least expensive table rate, all the way to Table J, which would be regarded as the “worst” or most expensive table rate.

The good news is…

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 they can qualify for. This brings us to the last topic that we wanted to take a moment and discuss, which is…

How can I help ensure I get the “best life insurance” for me?

In our experience here at IBUSA, 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.

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 help a more “challenging” case, they don’t have to rely on a…

“One size fits all approach!”

The good news is that this is precisely what you’ll find here at IBUSA!

Now, can we help out everyone who has been previously diagnosed with Wolff-Parkinson-White Pattern?

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 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.

So, if you’re ready to see what options might be available, call us!