Life Insurance with Wolff-Parkinson-White Pattern (WPW).
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 Wolff-Parkinson-White Pattern (WPW).
Questions that will be addressed will include:
- Can I qualify for life insurance if I have been 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?
- 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 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. In fact, some folks may even be able to qualify for a Preferred rate!
The only problem is…
That 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 his or her 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 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 on a regular basis.
This is mainly because…
When left “unchecked” some folks may go on to develop some pretty significant complications, many of which most (if not all) life insurance companies are going to be pretty concerned about. This is why we wanted to take a moment and discuss exactly what Wolff-Parkinson-White Pattern is a well as 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 actually 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,
Serious complications may include:
For most, these potentially “serious” complications will never materialize. However, it’s important to keep in mind that that it’s always a good important to maintain a close working relationship with your doctor so that he or she can monitor your condition and take any necessary steps should it appear that your WPW syndrome is becoming more of a serious condition for you.
“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 are 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 Wolff-Parkinson-White Pattern… 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 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 sever suffered from a heart attack or a stroke?
- 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 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 who have bene diagnosed with Wolff-Parkinson-White Pattern will usually fall into one of two different categories that we can make some “assumptions” about that will generally hold true.
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 suffer 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 ones 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 in spite of this diagnosis.
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 diagnose with Wolff-Parkinson-White Pattern also been diagnosed with some other “type” of pre-existing medical condition as well.
In cases like these…
What you’ll commonly find is that individuals may still be able to qualify for a traditional life insurance policy only now they’ll only be able to qualify for a “Substandard” or Table rate. Usually ranging somewhere around Table A-D.
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 considered the “worst” or most expensive table 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 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!