When applying for life insurance protection, it may be easier for some to qualify that it is for others. This is because, in some cases, an individual may have certain health conditions that can make it difficult to pass through the underwriting standards that are set by the life insurance carrier.
The reason behind this is that life insurance companies do not want to accept an applicant for coverage and then soon afterwards have to turn around and pay out a large monetary claim. Therefore, people who have certain types of health issues can appear to be risky for an insurer. This can often be the case with an applicant who has congenital heart disease.
What is Congenital Heart Disease and How Can It Affect Your Life Insurance Application?
Congenital heart disease is a term that can describe a wide range of different birth defects that can affect the normal workings of a person’s heart. The term “congenital” refers to the fact that the condition is present at the time of a person’s birth. The condition of congenital heart disease is a very common type of birth defect.
In some cases, the person may have a small hole in his or her heart. In other instances, the issue may be much more severe. Other examples of congenital heart disease may include:
- Issues with the muscle in the heart. This may, in turn, lead to heart failure.
- Problems with the “walls” of the heart. The walls of the heart can include those that are between the atria and the ventricles, known as the chambers. In this instance, passageways or holes that exist between the right and left side of the heart could cause blood to mix together, when it, in fact, should not.
- Defects of the heart valve. A heart valve could be too narrow, or it may even close completely so that blood has a more difficult time in getting through (or it cannot get through at all). In this instance, the blood may even leak backwards, which can also be quite dangerous.
- Incorrect connections of the blood vessels. This is particularly dangerous with babies, as it could allow blood that should be going to the lungs to go into other areas of the body instead. This, too, could lead to heart failure.
- Oftentimes, congenital heart disease can be treated with surgery. It is believed that congenital heart disease is genetic. Some of the issues that can also make this condition more likely to occur in a child may include the following:
- If the mother drinks alcohol and / or takes certain types of medication while she is pregnant
- Issues with chromosomes or problems with genes in the child, such as Downs Syndrome
- A viral infection in the mother while she is pregnant with the child
Perhaps you’re concerned because you are needing life insurance after a heart attack; we can help.
What the Life Insurer Will Want to Know About You and Your Condition
When applying for life insurance with congenital heart disease, there are several steps in the process. First, as with most other types of life insurance purchases, it will be necessary to completely fill out an application for coverage. Here, the life insurer will want to know general information such as your:
- Height / Weight (i.e., weight as it pertains to your height)
- Smoking status (though do not worry, we do work with some of the best companies that offer smokers life insurance coverage)
- Amount of alcohol consumed regularly
- Occupation and income (if applicable)
- Marital status
- Health history / Family health history
Due to your congenital heart disease, the life insurance underwriters will also want to know more condition-specific information before they can make a decision on your coverage. Because of this, there are more specific questions that you will likely be asked. These may include some or all of the following:
- What date did you get diagnosed with congenital heart disease?
- Exactly what did your diagnosis entail?
- What are you doing to manage your disease?
- What medicine has been prescribed to you?
- Do you use any other manner of controlling your condition such as diet and/or exercise?
- Any recent lab results to share?
In many cases, it is likely that the life insurance underwriters will want to review records from your primary care physician and/or from any type of the specialists that you may see for your congenital heart condition.
How Much Will Your Life Insurance Policy Cost?
In many cases, young – and otherwise healthy – individuals who have congenital heart conditions can typically purchase life insurance without much difficulty. The premium price, however, may be higher than that of an average policyholder.
It is important to understand, though, that not all life insurance companies will underwrite their applicants for coverage in the very same manner. This means that the same individual could apply for coverage with two different insurance companies, and they could be offered two different types of policy classifications. In the case of congenital heart disease, you could be classified as a policy for heart patients, or get a standard policy. Therefore, it makes sense when you are shopping for insurance coverage to look at more than just one insurer prior to making your final purchase decision. It also means that you should not give up if you are denied for coverage by just one life insurer.
How to Find the Best Life Insurance with Congenital Heart Disease
When you are ready to start looking for the life insurance protection that you need to ensure that your loved ones are secure financially in case of the unexpected, we can help. We have access to many carriers and the comparison sheet that we give you is above the competition.
Should you find that you still have any questions along the way regarding how you can secure life insurance with congenital heart disease – or even if you just have a question about life insurance, in general, we have experts that can help. We understand that securing life insurance coverage may seem a bit overwhelming – so we can answer the concerns that you may have, such as what the right type of coverage may be, how much may be enough, and which of the many carriers in the industry may be the best one for you. We can be reached via phone, toll-free, by dialing 888-229-7522.
Even if you’ve been turned down for life insurance coverage in the past, working with a company that has access to many insurers could change that, and provide you with a very different result. We’ve done the shopping for you – and we can point you in the right direction. So, contact us today – we’re here to help.