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Qualifying for Life Insurance with an Arrhythmia
Take a quick look around the internet for companies advertising life insurance and you will notice that you are often being marketed to by ONE company. However, at TermLife2Go we review the top rated best life insurance companies and the top rated no medical exam companies in the marketplace. By offering our readers multiple choices we can help you find the best life insurance rates for those with arrhythmia, as well as most other health issues. Give us a call today to see what we can do for you!
Arrhythmia and Life Insurance
Your heart is quite possibly the most vital organ in your body, so when it starts beating in an irregular manner, it can be cause for concern. This is called Arrhythmia, and you won’t be the only one to be concerned about it; life insurance companies looking to underwrite your policy will also take interest in your arrhythmia.
What is arrhythmia?
A normal heartbeat is consistent, maintaining a speed appropriate for the current activity and a regular rhythm. Arrhythmia is any variation in the normalcy of your heartbeat. This could mean your heart suddenly beats faster or slower than normal for no apparent reason, or that it has “fluttered” rather than maintaining the normal rhythm.
Is arrhythmia a disease?
Arrhythmia is a condition in and of itself, but it can also be a sign or symptom of another condition. Sometimes arrhythmia can happen without being cause for great concern, but other times it is a very serious problem. Your heart is the muscle that pumps blood to the rest of your body, so any altercation can harm other organs should they not get the blood they need when they need it. This is why life insurance companies will be keen to find out exactly what your arrhythmia means and if it is a cause for worry.
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What are the types of Arrhythmia?
Arrhythmia is an umbrella category encompassing many types of heartbeat irregularities. Life insurance companies will treat each of these types of arrhythmia in a different manner.
Your heart is made up of four chambers: two atria (the upper chambers) and two ventricles (the lower chambers). Ventricular arrhythmia is any irregularity caused by the ventricular chambers. This includes ventricular tachycardia and ventricular fibrillation.
Is ventricular arrhythmia dangerous? The short answer, yes it can be. Both ventricular tachycardia and ventricular fibrillation can be dangerous, even life threatening. People with either of these are at risk of a heart attack. If you have any kind of ventricular arrhythmia, then life insurance companies will inquire more information about your specific case before underwriting a policy.
Upper and lower chambers of the heart need to be in sync with one another to have a good, healthy heartbeat. When your two upper chambers have a fast or otherwise irregular heartbeat, this is called atrial fibrillation. This can happen sometimes and not be dangerous. However, atrial fibrillation can lead to other life-threatening problems such as a blood clot that disrupts blood flow, or even bursts in the lungs.
Life insurance companies may still grant you a policy – and perhaps even without a premium – if you have atrial fibrillation. They will ask you more questions to determine the severity of your atrial fibrillation and decide if you are of high risk of experiencing a life threatening situation due to your condition.
Your heart will feel a “flutter” feeling because of a rapid heartbeat in the atria. This can be associated with diabetes or cardiovascular disease. For some people, it may happen randomly and mean nothing more.
Life insurance companies will assess whether your atrial flutter is random or associated with a greater issue. If you are found to have cardiovascular disease or diabetes, either of these two diseases will likely cause you to pay a premium (or in some cases even cause you to get rejected) when you apply for life insurance.
This is actually a category that includes different irregularities attached with a abnormally slow heartbeat. Some types of bradyarrhythmia include:
- Sinus Bradycardia- increased vagal tone, commonly found in athletes. Caused by many things including: drugs, hypoxia, hypothyroidism, hypothermia, etc
- Tachy-Brady Syndrome- A combination of too quick of heartbeats and too slow of heartbeats.
There are many variations for brady arrhythmia, so life insurance companies will take a closer look at your specific case prior to underwriting a policy. If it appears that your condition is a random, non-threatening irregularity, then you may even receive a standard policy. If you are at risk of a severe complication, then you may face difficulty and be considered high risk life insurance.
How do I get life insurance with any arrhythmia?
As the term arrhythmia is a wide category with many different outcomes, it is hard to say whether you will get approved for a life insurance policy, and if so what your premium will be (if any). There are many variables that will effect a life insurance company’s decision to underwrite your policy. To gather more information and come to a conclusion they may ask you some or all of the following questions:
- What type of arrhythmia do you have? Is it a symptom of another disease?
- How long have you had irregular heartbeats?
- How often do you experience irregular heartbeats?
- When you experience irregular heartbeats, how long does it last?
- Does your arrhythmia keep you up at night or cause you to miss work?
- Have you had any complications due to arrhythmia?
- Have you ever been hospitalized or visited an emergency room for arrhythmia?
- Have you ever worn a heart monitor to assess your heartbeats? If yes, what was the outcome?
- Do you visit a cardiologist regularly? If yes, what has your cardiologist said about your arrhythmia?
- Are you currently taking medication? If yes, what medication do you take?
- Do you engage in any risky behavior that could further aggravate your arrhythmia such as smoking, drinking excessive caffeine, or alcohol?
These questions will help a life insurance company to determine your overall risk level. After they gather more information about your case, they will decide whether to underwrite your policy, and if they need to charge you a premium. To “have arrhythmia” is much too vague to determine if you will qualify and how much you will pay for the different types of life insurance policies. For those with a history of heart disease looking for life insurance you may need to consider choosing burial insurance from among the best final expense and burial insurance companies.
If you are looking for a life insurance policy that covers you and your specific life situation, and arrhythmia, then it can be quite confusing. Every life insurance company has different requirements, and offers different policies. When you have arrhythmia, it may be very difficult to know which insurance company and policy is most appropriate for you.