Life Insurance Coverage with Irregular Heartbeat
Life insurance is one of the most important purchases that you’ll ever make for your family, and an irregular heartbeat shouldn’t keep you from getting the protection that your family deserves. If you’ve been told that you can’t be accepted for a life insurance policy because of your irregular heartbeat, don’t believe it. If you have any type of adverse health condition, from an Irregular Heartbeat to Diabetes, it can be more difficult to qualify for life insurance.
However there are several options for you in getting quality and affordable life insurance at Senior Care Life.
You certainly don’t need to be concerned about obtaining affordable life insurance with an irregular heartbeat as there are several options for you. If you apply for coverage through the right source, you’ll find that your chances for approval can improve a great deal. This is because certain agencies specialize in working with what is referred to as higher risk life insurance cases. Because of this, they know which insurance companies are more likely to accept applicants who possess various health conditions, as well as how to go about submitting the proper paperwork so that the application and underwriting process progresses smoothly.
As a senior, if you are seeking life insurance coverage with having Irregular Heartbeat we can help. Some life insurance companies will not provide coverage if you have Irregular Heartbeat, due to their underwriting risk assessment. However our A+ Rated life insurance carriers will provide you with low cost life insurance coverage (With No Medical Exam) if you have Irregular Heartbeat. Fill out our Contact Form to request life insurance coverage if you have Irregular Heartbeat or other medical issues.
Some symptoms or cause associated with Irregular Heartbeat:
- Coronary artery disease
- Electrolyte imbalances in the blood
- Changes in your heart muscle
- Injury from a heart attack
- Healing process after heart surgery
- Premature atrial contractions
- early extra beats
- Premature ventricular contractions
- skipped heartbeat
- Too much caffeine or nicotine
You Can Get Life Insurance Coverage
If you have Irregular Heartbeat
Insurance Company Underwriting Risk With Irregular Heartbeat
The less risk you are to the insurance company to insure, the lower premiums you’ll pay. This will help them to make a more informed decision regarding whether or not to accept you for coverage. For example, do you exercise regularly and eat healthy meals? If you want to save money on your plan, you’ll need to improve your health Knowing this will also help them in determining how well you are managing your irregular heartbeat condition on a regular, ongoing basis.
When you do an application for life insurance with an irregular heartbeat, the underwriters who analyze your application will want to know certain information about your particular health condition. By putting all of this information together, the underwriters will be able to obtain a clearer overall picture of your health condition, and will then make a determination of whether you are an acceptable risk for coverage. In addition, the life insurance underwriters will also want to get a good idea of the type of lifestyle that you lead. With this in mind, it is always best to provide the underwriters with as much information as possible.
Health Questions The Underwriter Will Consider In Determining Coverage
- How is your irregular heart beat condition being treated?
- How long have you had the condition and when was it diagnosed?
- Are you suffering form any other health conditions such as diabetes or high blood pressure?
- What medications are you taking for your irregular heart beat?
- Medical testing you have have, such as a Resting EKG or Echocardiogram, and when were they performed?
- How often do you see your doctor?
How Will Irregular Heart Beat Affect Your Life Insurance Premium?
In cases where the underlying cause of the condition is heart disease, it is probably that you may pay a higher premium. This all depends on the insurance company you applied. All insurance companies do not apply the same risk assessment. In the case of a stable control of your condition, along with no corresponding heart disease, it is likely that you will be approved for coverage and will be able to pay standard premium rates. Depending on the insurance company, the application could be declined by the underwriters.
It is always best to obtain quotes and try to obtain coverage before making a decision on which company to apply. In many cases, provided that your irregular heartbeat condition is under control with medication, diet, and proper exercise, your application for life insurance can be approved. If, however, your condition is more chronic and depending on the life insurance company, it is probable that you may be charged a higher premium for your life insurance policy.
If you have Irregular Heartbeat or have any other illnesses, fill out the contact form above for a Quick Quote from a Licensed Senior Life Insurance Professional in Your State. Your policy can cost as little as $1 a day.
Applying For Life Insurance With Irregular Heartbeat
You can help to improve you condition by taking your medication as prescribed by your doctor and keep up with your doctor visits. When applying for a standard life insurance policy, graded benefit coverage or a guaranteed life insurance policy with any of our carriers, keep in mind that you will not have to submit to a doctor’s medical examination and in some cases will not need to submit any information about your health condition. There are also things you can do to help getting affordable coverage, like doing your best to stay healthy avoid smoking.
By showing the insurance company that you have been taking care of your Irregular Heartbeat medical condition, you may qualify for a lower monthly premium. One of the most important steps you can take toward getting coverage is to work with a life insurance agent who specializes in obtaining life insurance coverage for people with that condition. Your agent will know about the insurance companies underwriting criteria and requirements for life insurance coverage with Irregular Heartbeat. Our agents will assist you in obtaining the coverage you need at a rate you can afford. With today’s high medical cost, any money saved will help in reducing your over all monthly expenses in managing your Irregular Heartbeat health condition.
We can also get you a Whole Life Insurance Policy with No Medical Exam even. Even with you Irregular Heartbeat and depending on the insurance company underwriting guidelines, you may qualify for:
- Standard Life Insurance Coverage or
- Substandard Life Insurance Coverage or
- Graded Benefit Life Insurance Coverage or
- Modified Benefit Life Insurance Coverage
If you have already requested your senior whole life insurance quote, our agents will call you back soon as possible to discuss your condition and give you a free no obligation quote on your whole life insurance policy.