Being approved for life insurance coverage when you have an adverse health condition can be somewhat difficult – especially when the condition poses an increased risk to an applicant’s life expectancy. The worse that your health is, or the more pre-existing conditions that you have, the more risk that you’ll pose to the insurance company. The higher risk that you are, the less likely they are to offer your insurance coverage, or the more that you’ll pay for that coverage.
For those who have left ventricular hypertrophy – also referred to as an “enlarged heart” – it is possible that obtaining life insurance has been an issue in the past. Knowing how and where to apply, however, can actually improve your likelihood for approval substantially. If you’ve ever been told that you can get life insurance because of your health condition, that isn’t true. In fact, in just about every case you’ll be able to be approved for an affordable life insurance policy to protect your loved ones.
What To Expect from the Life Insurance Underwriters
Because left ventricular hypertrophy is typically caused by high blood pressure, those who are diagnosed with this condition usually have hearts that must work harder – and as a result, these individuals have a higher risk of suffering a heart attack.
Therefore, when applying for life insurance coverage, the underwriters will want to know certain specific details about your condition, including:
- When you were initially diagnosed with your condition.
- What caused the condition?
- What your CT ratio is, and what is the thickness of your left ventricular wall?
- Whether or not you have ever had surgery for the treatment of your left ventricular hypertrophy.
- If you have a family history of this particular condition (or a related condition).
- Whether you have any other risk factors for heart disease (such as high cholesterol, high blood pressure, or smoking).
- Whether you are taking any medications for your condition, and if so, what?
How to Improve Your Chances for Coverage Approval
Even with an adverse health condition, there are ways to improve your chances of being approved for life insurance. For example, if your condition is under control through medication, dietary changes, better control of your blood pressure, and living a more stress free lifestyle, it is important to point out this information within your life insurance application. In doing so, the underwriters will take these details into consideration.
While you have a pre-existing condition like left ventricular hypertrophy, this isn’t the only thing that the insurance company is going to consider when they are looking at your insurance application. The insurance company is going to look at your overall health to calculate how much of a risk you are. They will do this through a medical exam that you will be required to take before they will accept you for coverage (unless you choose to purchase a no exam plan).
If you want to improve your chances of getting insurance coverage, you’ll need to get better results from the medical exam. You can do this through starting a healthy diet and getting regular exercise. Both of these will help you lose weight, lower your blood pressure, and much more and will translate into improved chances of getting affordable life insurance protection for your family.
The best way to improve your chances of getting affordable life insurance coverage is by eliminating any tobacco that you currently use. If you use chewing tobacco or smoke cigarettes, you’re going to automatically be lumped into “smokers”, which is going to reduce your chances of being approved for life insurance as well as cause your rates to go through the roof. The best way to get affordable life coverage is to kick those bad habits once and for all. You doctor and your bank account with both thank you.
Working with a life insurance agent or company that is familiar with higher risk cases can also help. This is because these entities have a more in-depth understanding of the additional information that may be required to get your application approved. Because every insurance company is different, they will also view your preexisting conditions differently. Some companies are going to automatically deny applicants with ventricle hypertrophy, while other companies understand the condition and will offer affordable rates. Our independent insurance agents can help you save both time and money on your life insurance policy. Unlike traditional insurance agents, we don’t only represent one single company, but instead, we represent dozens of insurance companies across the United States.
How To Start Applying For Coverage
When you’re ready to take the next step and apply for life insurance coverage, it is important to work with an entity that has access to several insurers. We work with many of the top rated life insurance companies in the marketplace today, and we are familiar with which companies are more likely to work with applicants who are considered to be “higher risk.”
We can help to point you in the right direction when applying for coverage, saving you a great deal of time and frustration throughout the life insurance application process – and essentially leading you to the coverage that you need much more quickly.
Not having life insurance coverage could be one of the worst mistakes that you ever make for your family. If something tragic were to happen to you, your family would be left with all of your debt and unpaid expenses. That could leave them in a giant hole of debt and no way to get out of it, but that’s where a life insurance policy comes in. Life insurance gives your loved ones the money that they need to get through the difficult time without being burden by thousands of dollars of debt.
Before you apply for insurance coverage, you’ll need to calculate your life insurance needs. Aside from having life insurance, you’ll want to make sure that you get enough insurance. There are several different aspects that you’ll need to calculate when determining your life insurance needs. The first thing is your debts. The primary goal of life insurance is to pay off all of your debts and final expenses. The other factor to consider is your income. The secondary goal of your life insurance is to replace your salary if you were to pass away.
Let us help you get the protection that you and your loved ones need. To get the process started, simply fill in and submit the form on the side of this page to compare quotes. We also understand that you may have questions or concerns along the way. If so, we’re here to help. Feel free to contact us at 888-229-7522 and we’ll get you the answers and information that you require in order to make the most informed choice possible.
We know that buying life insurance can be a frustrating process. There are dozens of different policy types to choose from, and thousands of companies that offer plans, which means there are almost endless options for you to choose from. Our agents are here to make the process quick and painless for you. Nobody should go without the coverage that they deserve.
Even if you’ve been declined for insurance coverage, or been told that your policy will be too expensive, contact one of our agents and we will find an affordable and quality insurance policy to fit your needs. There are plenty of options for life insurance that we can show you to give the best coverage for your family.
You can’t predict the future, which means you never know when tragic is going to strike. Don’t wait any longer to get a life insurance policy that will protect your family, regardless of what happens to you.
You never know what’s going to happen tomorrow, and nobody wants to think about his or her own death, but not planning for it is one of the worst things you can do. Don’t wait any longer to get the insurance protection that your family members deserve.