Any time we have a client who has been diagnosed with a pre-existing heart condition, we always like to take things a little slow and be sure that our client fully understands what the life insurance application process is going to “look” like and try establish “proper” expectations when applying for life insurance with a pre-existing condition.
When it comes to helping someone who has been diagnosed with a bundle branch blockage, there is definitely a good chance that they will be able to qualify for traditional term or whole life insurance policy, in fact, they may even be able to qualify for a Preferred rating!
But that doesn’t mean that they’re going to get approved overnight.
Because let’s face it…
When it comes to applying for life insurance with a pre-existing heart condition, life insurance companies are going to be a little “cautious” about approving your application, that is until, they learn more about the specifics of your situation.
About bundle branch blocks.
A bundle branch block is a generic term used to describe a condition in which there is a delay or obstruction along the pathway that electrical impulses travel to make your heart beat.
This delay or blockage can occur on either side of the heart (left or right) and can be caused by a variety of conditions.
Knowing which “type” of bundle branch block that you have along with “what’s” causing the blockage is going to go a long way in determining what type of life insurance policy you will and won’t be eligible for, as well as what price you may be expected for pay.
For this reason, it only makes sense to take a quick moment to review both Left and right bundle branch blocks and discuss just a few factors that will pay a major role in determining the outcome of your life insurance application.
Right bundle branch block.
As the name indicates, a right bundle branch block is a “block” due to a problem located within the right bundle branch itself. Potential causes that can lead to one suffering from a right bundle branch blockage may include:
- A congenital heart defect, such as atrial septal defect.
- A heart attack.
- Brugada syndrome.
- Ischaemic heart disease.
- Right ventricular hypertrophy.
- Viral or bacterial infections (myocarditis).
- Or Pulmonary embolism.
Symptoms and treatments options for a right bundle branch block.
In most cases, right bundle branch blockages my go completely undiagnosed, simply because patients will frequently NOT experience any significant symptoms caused by the disease.
That being said however, for those who do experience symptoms, they will usually be limited to:
- Feelings of dizziness or lightheadedness.
- Or feeling as though you may faint.
Treatments for right bundle branch blockages can vary significantly depending on what symptoms are being experienced, as well as, what the underlying cause is.
In mild cases with little or no symptoms or underlying heart disease, most cases will not require any treatment at all.
In more severe cases, patients may require that a pacemaker be installed to re-establish a normal heartbeat.
With regards to applying for life insurance…
Those with little or no treatment required will “theoretically” be eligible for a preferred rate class provided that they can meet all other requirements. As for those who are experiencing or have required the need to have a pacemaker installed, your life insurance application will generally become more complicated.
The good news is that…
Depending on your current health status, these clients may also be eligible for a Preferred status as well, provided that it doesn’t look like they will need any further surgical treatment to treat their condition.
Left Bundle Branch Block.
Left bundle branch blockages are defined as blockage that occurs on the left ventricle which cause the left ventricle to contract later than the right. The resulting affect is an abnormal heartbeat which can be viewed on typical EKG exam.
Causes which can create a left bundle branch blockage may include:
- High blood pressure.
- Aortic valve disease (artificial valve replacement).
- Coronary artery disease.
- Heart attack.
- Congenital heart defects (atrial septal defect).
Symptoms and Treatment options for a left bundle branch blockage.
Unlike right bundle branch blockages that may present symptoms for one to use as a diagnostic tool, left bundle branches typically do not. Instead, they will usual exacerbate symptoms associated with the underlying pre-existing heart condition which is causing your left bundle branch blockage.
This is why…
Left bundle branch blockages will be viewed by the insurance industry as a more “serious” medical condition than right bundle branch blockages and will often require a bit more underwriting by the insurance companies prior to your approval.
That being said however…
Even those who have been diagnosed with a left bundle branch blockage should still “theoretically” be eligible for a traditional term or whole life insurance policy, provided that the underlying cause of their condition is not “Too” serious and is being well managed.
How will this be determined, you might ask?
Easy, insurance companies will combine the results of life insurance application questionnaire, your medical exam (which will likely include an EKG reading) and your medical records to create a “somewhat” complete picture of what your health. Then with this information in hand, the underwriter will try to predict what potential risk you would pose to their company.
Our role here at InsuranceBrokersUSA…
Is to use the information that you will provide in your life insurance application as well as the information that you give us over the phone and “try” to determine which company we “feel” will offer you the best opportunity for success.
Here at InsuranceBrokersUSA, we operate as an independent life insurance brokerage that is able to work with dozens of highly rated life insurance companies, including some of the Best Final Expense and Burial Insurance Companies, all in an effort to help you find the best life insurance policy that you can qualify for!
So, what are you waiting for? Give us a call today and see what we can do for you!