Unlike a lot of pre-existing medical conditions, bacterial endocarditis is one of those conditions where you’ll first need to have recovered from your infection prior to being eligible for a traditional term or whole life insurance policy. If you were to actually try to apply for coverage while suffering from an active infection, your life insurance application would simply be postponed immediately.
About Bacterial Endocarditis (BE).
Bacterial endocarditis, also known as infective endocarditis (IE) is a bacterial infection that first affects the bloodstream but will later ultimately settle into the heart lining, the heart valves, or within a blood vessel. BE is generally caused by the streptococci or staphylococci bacteria. In rare cases however BE, may also be caused by a fungi or other infections organisms as well.
While bacterial endocarditis is considered a relatively rare condition for most individuals, there are some pre-existing medical conditions such as:
- Artificial heart valve recipients.
- Patients with a congenital heart defect (atrial septal defect).
- Patients with damaged heart valves.
- Previous exposure to bacterial endocarditis.
- As well as those who have a history of intravenous (IV) drug use.
Which may increase ones’ susceptibility for infection.
Symptoms of bacterial endocarditis may include:
- Fever and chills.
- An audible heart murmur.
- Fatigue and or malaise.
- Joint and muscle pain.
- Shortness of breath.
- Dizziness or light headedness.
- A persistent cough.
Treatments for Bacterial Endocarditis.
Because most types of bacterial endocarditis are caused by bacteria, treatments will typically center around the use of antibiotics which will generally require 4-6 weeks of iv treatments.
In the eyes of the life insurance industry…
Because bacterial endocarditis is such a serious infection which can potentially damage the heart, the heart valves and other blood vessels, insurance companies are generally always going to consider those who have been exposed to BE as a “higher” risk applicant when reviewing their life insurance application.
As a result…
What you’re generally going to find is that at a minimum, it is going to be difficult if not impossible to qualify for anything better than a “rated” health class when applying for a traditional term or whole life insurance policy.
Additionally, if you now suffer from a permanent heart murmur due to your infection, this too will be taken into account and may further complicate your application process.
Now before we get too upset…
It’s important to note that there are a lot of different pre-exiting medical conditions that will lead one to only be able to qualify for a “rated” health class. And given the fact that bacterial endocarditis is literally an infection of the heart, just knowing that you’ll still be eligible, even at a higher premium, should actually be viewed as a positive rather than a negative!
The trick them becomes…
To try to get approved for the best possible “rated” health class possible, and seek out those insurance companies that are going to have the lowest premium prices at the rate.
To accomplish this here at TermLife2Go, we do this by asking our clients a series of questions about their bacterial endocarditis so that we can try to determine just how “serious” your condition was, and so that we can exam many of the underwriting guidelines of the insurance companies that we use to try to determine which company is going to be the best fit for you.
Common questions we like to ask about your bacterial endocarditis will include:
- When where you first diagnosed with bacterial endocarditis?
- How many times have you suffered from bacterial endocarditis?
- Was your doctor able to determine the bacterial/fungi cause of your bacterial endocarditis?
- Do you have any pre-existing heart conditions which may have led to you contracting bacterial endocarditis?
- How long did you require treatment? How long were you hospitalized?
- Do you have any lingering effects from your infection?
- Do you currently have a heart murmur?
- Do you have a history of IV drug use?
From here, we’ll generally have a pretty good idea about how “serve” your bacterial endocarditis was, and typically recommend one or two different insurance companies that we “feel” might be the best option for you to consider.
That being said…
However, it’s important to remember that until a life insurance underwriter has had an opportunity to review your application, your exam results and also see your medical records we simply won’t know for sure what you will or won’t be eligible for.
The good news is that at least by applying for life insurance coverage with TermLife2Go, if that first life insurance company that we try, doesn’t give us the results we’re looking for, we’ll always have several other life insurance carriers that we can try out as well!
Additionally, if all else fails, we can always explore some alternative life insurance products such as a simplified issue or guaranteed issue life insurance policy that won’t require you to take a medical exam or perhaps answer any health related questions in order to qualify.
So, what are you waiting for? Give us a call today or visit our Best Life Insurance Quotes page and see what we can do for you!
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