Life Insurance Coverage with Pacemaker
Nowadays we are starting to see many life insurance companies are providing coverage for people with pacemaker. As the technology has improved, pacemakers are now helping more people live normal, healthy lives. A few decades ago this was not the case, people with pacemakers had almost no chance at purchasing a life insurance policy.
With more people living longer with pacemakers underwriters are adjusting their requirements to help accommodate people seeking life insurance.
In addition to the improved technology, life insurance carriers have become fully aware that there is a large population of people living with pacemakers and they are not going to ignore this market. Some life insurance companies specialize in approving people with pacemakers, depending on the reason for the pacemaker.
Insurance Company Underwriting Risk Assessment For Coverage With Pacemaker
While having a pacemaker does not mean you will automatically be denied life insurance coverage, you will need to be extremely patient with the approval process. If the pacemaker was implanted for substance or alcohol abuse, most insurance companies will postpone your application for at least a few years after you have completed treatment for your addiction.
In cases such as tachyarrhythmia, which is usually brought on by emotional stress or excessive alcohol consumption, a pacemaker is only used temporarily until the condition improves. Pacemakers are electronic devices that are designed to help regulate a person’s heart rhythms. The insurance company will review the underlying reason for pacemaker before approving your policy.
Everyone’s situation is different and in order to increase your chances of finding an affordable policy, it’s best to work with an agent that is appointed by multiple companies. There are many serious ailments that pacemakers are used to correct, and the insurance company you apply with will need to know the medical condition that the pacemaker was implanted for. Assuming the individual is otherwise healthy and no other lifestyle concerns are found, these situations tend to be ideal for purchasing life insurance.
Getting life Insurance With A Pacemaker
As a senior, if you are seeking life insurance coverage after having a Pacemaker Implant we can help. Some life insurance companies may not provide coverage if you have had a Pacemaker Implant, 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 had a Pacemaker Implant. Fill out our Contact Form to request life insurance coverage if you have had a Pacemaker Implant or other medical issues.
Some causes and symptoms associated with the need for a Pacemaker:
- Heart’s rhythm is abnormal.
- Normal aging of the heart disrupting heart rate
- Heart beat too slow
- Heart beat too fast
- Heart muscle damage
- Heart attack
- Genetic conditions
- Hypertrophic cardiomyopathy
- Syncope (fainting spells).
You Can Get Life Insurance Coverage
If you have had a Pacemaker Implant
If you have had a Pacemaker Implant 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.