The aorta is the primary blood vessel in the human body. Its function is to supply blood to the abdomen, legs, and pelvis. If an individual contracts an abdominal aortic aneurysm, it means that an area of the aorta has become very large or ballooned out.
The exact cause of this condition is not known by medical professionals. However, it can often occur due to a weakness in the wall of an artery. Some of the factors that may increase a person’s risk of having an abdominal aortic aneurysm may include the following:
- High blood pressure
In addition, males are typically more prone to having this condition than are females. Also, genetic factors can also be to blame.
While an aneurysm may develop very slowly over some years, and often with no visible symptoms – if the aneurysm tears, leaks, or rapidly expands, the symptoms may then come on very quickly. If this occurs, an individual may experience dizziness, nausea and vomiting, abdominal pain, rapid heart rate, and clammy skin. Symptoms may even lead to passing out and / or shock.
There are ways to test for the possibility of having an abdominal aortic aneurysm. These include having a health care provider examine the abdomen and also feel the pulses in the legs. Some potential signs can include a lump or mass in the abdomen, a stiff or rigid abdomen, and / or a pulsating sensation in the abdomen. Other ways of testing for this condition can include having an ultrasound of the abdomen, as well as either a CT scan or a CTA (computed tomographic angiogram).
If it is found that there is an abdominal aortic aneurysm, there are ways to treat it. Surgery, however, is rarely an option. This is because, during surgery, there is the risk of bleeding. Therefore, other options can include replacing the abnormal vessel with a man-made graft.
If left untreated, an abdominal aortic aneurysm can become quite dangerous. The larger it becomes; the more risk it has of tearing or breaking open – which can essentially be life-threatening.
What the Life Insurance Company Will Want To Know About You
When applying for life insurance, it is typically required that you fill out an application for coverage. Here, you will be asked for demographic and some socioeconomic questions that allow the carrier to start the class rating process. However, with your condition, you will also likely be asked for more details on how you are managing and/or controlling it, as well as about any medications that you may be taking. Therefore, you may be asked some or all of the following:
- When were you initially diagnosed with abdominal aortic aneurysm? Letting the insurance underwriters know when you were initially diagnosed can be helpful, as it can provide them with knowledge of your condition’s progression. It can also help in determining the severity of your case.
- Within the past six months, have you experienced any symptoms of abdominal aortic aneurysm? Experiencing any symptoms of the past six months may be a sign of a more serious condition. This, in turn, could be cause for additional consideration of your application.
- Do you have any other medical conditions? If you have any other medical conditions – especially more serious conditions such as diabetes or coronary artery disease – it can place you in a higher risk category for a life insurance policy.
- Are you a smoker? Being a smoker can put you at a higher risk for life insurance in general but you can get life insurance for smokers. However, in conjunction with an abdominal aortic aneurysm, this could lead to a severe substandard policy rating, or even a decline, depending on the other pertinent factors of your case.
Also, it is possible that the insurance carrier may want to view additional information about your health via your medical records. They may obtain these from your primary care physician if you give them permission.
How Much Will Your Coverage Cost with Abdominal Aortic Aneurysm?
There are some factors that go into the overall price of a life insurance policy. These include the amount of insurance coverage that you are obtaining, as well as the type of policy that you are purchasing. Your age, gender, and health will also play a role, as will your health history, and your family health history.
Because of your abdominal aortic aneurysm, the underwriters at the life insurance company will be taking this condition into consideration quite seriously. This is because, in certain circumstances, the condition could become life-threatening. If this occurs, the life insurance carrier could be at risk of paying out a costly claim.
Therefore, in many cases, an applicant who has this condition will be rated as a Substandard policyholder – even if otherwise in good health. This means that the premium you pay for coverage will be somewhat higher than that of an average policyholder who is of your same age and gender.
That being said, it is important to shop and compare before making your actual policy purchase. This is because, similar to other products and services that you buy, the price that is charged for life insurance coverage can differ a great deal from one insurance company to another – even for the very same benefits.
With that in mind, you could spend hours upon hours going from one insurance company to another and asking for a quote. Or, you could opt to let us be your agent. We make the entire process convenient for you because we’ll send you one rate sheet comparison detailing the benefits of each one.
What If You Don’t Qualify for Traditionally Underwritten Coverage?
If you are not able to qualify for medically underwritten life insurance coverage, you may still have some options that are available to you regarding obtaining life insurance protection. One of these includes applying for a no medical exam life insurance policy. As its name suggests, a no medical exam policy will not require you to undergo a medical examination as a part of the underwriting process.
Therefore, there will be no need to submit a blood and urine sample – and because of this, many applicants who have various health issues are able to qualify for coverage. In addition, because there are no medical details to review, this coverage can also be approved much more quickly than a comparable medically underwritten policy. So, you could essentially have a policy within just days as versus weeks – or longer.
It is important to note, though, that the premiums that are charged on no medical exam life insurance policies can be higher than those of a regular plan.
How to Find the Best Quotes on Life Insurance
When seeking life insurance for people with abdominal aortic aneurysm, the best way to find quotes is to work with a company or an agency that has access to multiple life insurers. In doing so, you will be able to much more quickly find the insurers that are apt to work with higher risk applicants.
Should you find that you have any additional questions, please feel free to contact us directly. We can be reached via phone, toll-free, by dialing 888-229-7522. Our experts are happy to walk you through the quote process, as well as answer any question or concern that you may have. We understand that the purchase of life insurance can seem somewhat overwhelming – and we can make it much easier to find the company, the coverage, and the benefits that are right for you.