Life Insurance with a Bundle Branch Block.
In this article, we wanted to take a moment and answer some of the most common questions we get from folks applying for life insurance after having been diagnosed with a Bundle Branch Block, whether that be a Right Bundle Branch Block or a Left Bundle Branch Block.
- Can I qualify for life insurance if I have been diagnosed with a Bundle Branch Block?
- Why do life insurance companies care if I have been diagnosed with a Bundle Branch Block?
- What kind of information will the insurance companies ask me or be interested in?
- What “rate” 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 a Bundle Branch Block?
Yes, individuals who have been diagnosed with a “Bundle Branch Block” can and often will be able to qualify for a traditional term or whole life insurance policy. The only problem is that the term “bundle branch block” is often used to describe or “encompass” several different pre-existing medical conditions.
This is why it’s important to fully understand what condition you have been diagnosed with so that we can better understanding of “how” a life insurance company is going to “view” your application.
Why do life insurance companies care if I have been diagnosed with a Bundle Branch Block?
It’s a pretty safe bet that any time an individual has been diagnosed with a pre-existing medical condition that has to do with one’s heart that most (if not all) best-rated life insurance companies that most folks are familiar with are going to be pretty interested in learning more about “condition”.
This is especially true…
When we’re dealing with a condition such as a “Bundle Branch Block” because this “term” can often be used to describe a:
- Left Anterior Fascicular Block, also known as a left anterior hemiblock.
- Left Bundle Branch Block,
And/or a Right Bundle Branch Block.
And here lies…
The major problem, you see each of these three medical conditions will be treated differently by most (if not all) life insurance companies. This is why before we can know how a life insurance company is going to “view” our life insurance application, we’re first going to need to know what “kind” of Bundle Branch Block you’ve been diagnosed with as well as how “serious” your condition is.
For this reason…
We want to just take a moment and briefly describe exactly what each of these different medical conditions is as well as highlight some of the most common symptoms/complications that can arise, which most (if not all) life insurance underwriters will be looking for.
Left Anterior Fascicular Block or Left Anterior Hemiblock Defined:
A left anterior fascicular block or left anterior hemiblock (LAFB) is a pre-existing medical condition that is defined as an abnormal condition of the left ventricle. And while it may be closely related to a left bundle branch (LBBB) because it only affects the “anterior” half of the left bundle branch, it will usually be diagnosed as a separate condition.
For this reason…
Individuals who have been diagnosed with a Left Fascicular Block or Left Anterior Hemiblock will usually be “viewed” more favorably by most (if not all) life insurance underwriters during a “typical” life insurance application.
Left Bundle Branch Block Defined:
A Left Bundle Branch Block (LBBB) is a pre-existing medical condition that is caused when the activation of the left ventricle of the heart is delayed causing it to contract later than the right ventricle. As a result, the efficiency of one’s heart is seriously affected, which is why of the two “kinds” of Bundle Branch Blockages one can be diagnosed with, the “left” is generally considered the more “serious” of the two by most life insurance companies.
Right Bundle Branch Block Defined:
A Right Bundle Branch Block (RBBB) is a pre-existing medical that affects the right ventricle when electrical impulses are unable to travel through the right bundle branch, thereby effecting the strength and efficiency of the right ventricle’s contraction.
Now before you get too upset…
By 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 ones 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 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 a Bundle Branch Block or Hemiblock?
- What “kind” of Bundle Branch Block have you been diagnosed with?
- Right Bundle Branch Block?
- Left Bundle Branch Block?
- Left Anterior Fascicular Block or Left Anterior Hemiblock?
- What symptoms (if any) led to your diagnosis?
- What treatment options have you pursued?
- Surgical procedures?
- Cardiac resynchronization therapy?
- Are you currently suffer from any symptoms related to your condition?
- Have you been diagnosed with any other pre-existing medical conditions such as hypertension, diabetes, heart disease?
- Have you ever suffered from a heart attack or 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?
- What are your current height and weight?
- Are you currently working now?
- In the past 12 months, have you applied for or received any form of disability benefits?
What “rate” can I qualify for?
Now, as you can see, there are a lot of variables that can come into play when determining what kind of “rate” an individual might be able to qualify for after having been diagnosed with a Bundle Branch Block. This is why it’s pretty much impossible to know for sure what kind of “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 that will generally hold true so that you can at least get a general idea about what kind of rate you “might” be able to qualify for after having been diagnosed with a Bundle Branch Blockage.
It’s generally safe to say that those who have been diagnosed:
- With either a Hemiblock or a right bundle branch block will usually have an “easier” time qualifying for a traditional term or whole life insurance policy than will a person who has been diagnosed with a Left Bundle Branch Block.
- And those that have been diagnosed with a Hemiblock will usually have an “easier” time qualifying for a traditional term or whole life insurance policy than someone who has been diagnosed with a Right Bundle Branch Block.
For those that have diagnosed with either a Hemiblock or a Right Bundle Branch Block and don’t seem to be suffering from any “serious” symptoms due to their condition, it’s possible that they may be able to qualify or a Standard or Standard Plus rate.
In fact, underwriting guidelines even state that they may also be able to qualify for a Preferred rate, however in our experiences here at IBUSA, this will only happen in very rare cases which is why we don’t like quoting these rates to folks simply because we don’t want to “overpromise and under deliver”!
Now as for those…
Who have been diagnosed with a Left Bundle Branch Block, it still may be possible to qualify for a traditional life insurance policy, only now you will certainly be considered a “high-risk” applicant.
This is why…
You are going to want to be particularly careful about “which” life insurance company you do apply with so that you don’t end up overpaying for your coverage.
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, 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 Bundle Branch Block?
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.
So, if you’re ready to see what options might be available to you, just give us a call!