A heart murmur is not necessarily going to change your approval process for life insurance, but it could. Not all heart murmurs are a concern, but a few can mean another underlying heart issue. Finding life insurance with heart murmurs takes this into account.
In a lot of cases, a murmur simply needs to be investigated to make sure it’s not a more serious health concern to be approved.
If you deal with a heart murmur and life insurance is on your mind, keep reading to discover more about how life insurance underwriting works for those of similar health.
We’ll also help you narrow down the possible ratings you can expect, and even help you find a company who is willing to approve you at the best prices.
For someone with heart murmurs life insurance is dependent on a lot of factors. To understand what those factors can be, let’s take a closer look at heart murmurs, what they are, and what kinds of risks and symptoms are attributed with the murmurs. It’s these same symptoms and concerns with which a life insurance underwriter will be mainly investigating as they are the long term risk to the insurance company.
According to the National Heart, Lung and Blood Institute:
A heart murmur is an extra or unusual sound heard during a heartbeat. Murmurs range from very faint to very loud. Sometimes they sound like a whooshing or swishing noise.
The two types of heart murmurs are innocent (harmless) and abnormal.
Innocent heart murmurs aren’t caused by heart problems. These murmurs are common in healthy children. Many children will have heart murmurs heard by their doctors at some point in their lives.
People who have abnormal heart murmurs may have signs or symptoms of heart problems. Most abnormal murmurs in children are caused by congenital (kon-JEN-ih-tal) heart defects. These defects are problems with the heart’s structure that are present at birth.
In adults, abnormal heart murmurs most often are caused by acquired heart valve disease. This is heart valve disease that develops as the result of another condition. Infections, diseases, and aging can cause heart valve disease.
As you can see, the first step is defining what type of heart murmur is being dealt with; is your heart murmur innocent or abnormal? Life insurance with heart murmurs starts at determining this point, and slowly gets more defined.
Just like it sounds, an innocent heart murmur is not only harmless but will also not affect your rates for life insurance. Life insurance with heart murmurs is looking exclusively for something which could mean a worse health condition, and many innocent heart murmurs require no treatments of any kind. Therefore, you would still be eligible for the best, top tier rates.
The not so easy purchase of life insurance with heart murmurs comes from the abnormal side. Because the sounds coming from your heartbeat are not credited to the harmless side, the big issue now becomes what heart issue you’re really dealing with. Remember, the heart murmur is just a sound or response from the heart and blood vessels. It, by itself, is not a disease but a symptom of something else.
An abnormal heart murmur can be a symptom of any of the following:
Under each of these possible issues is an entirely different categorization of heart matters. When you are buying life insurance with heart murmurs of any kind, the more specific you can be the better. In fact, some companies won’t offer coverage until they can pinpoint exactly what is going on because of the range in risks from one heart condition to the next. A heart murmur could mean something very mild which doesn’t limit you in any way, or it could mean your heart is failing in either the function or structure.
Here are some common questions which will be required you answer before applying for life insurance with heart murmurs:
These types of questions help to lay out the possible long term hazards you may have to deal with and help the underwriters to classify what rating you can expect for your life insurance with heart murmurs. The ratings can be subjective, and range widely from carrier to carrier.
Even with an abnormal heart murmur, you could expect as high as Standard (possible higher if proper documentation is available), all the way down to Mild Sub-Standard, Sub-Standard, and Declines.
In order to properly assess your particular situation, start a quote on our instant online life insurance quote tool, or give us a call so we can provide you with an accurate quote and proper company to apply to. We are independent life insurance agents and have access to all the major “A” rated life insurance companies in the industry.