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Getting Life Insurance after a Pulmonary Embolism

Researcher & Writer
April 11, 2020

Whenever you apply for the different types of life insurance policies, the first thing the provider will want to know about is your overall health. If you have had a serious pre-existing condition, then the life insurance application process might be a bit daunting, but it doesn’t have to be. People with serious conditions in their medical history can still get high-risk life insurance coverage with the right help.

Below we have outlined basic facts about applying for a life insurance policy after suffering a pulmonary embolism.

Will I qualify for a life insurance policy after a pulmonary embolism?

The good news is that the majority of people still qualify for life insurance even after they have suffered a pulmonary embolism. In fact, it’s quite common to even qualify for a standard rate. Of course, there are instances when a person who has suffered a pulmonary embolism may be charged a premium rate or even be rejected by a life insurance agency. Much of this will depend on two main factors:

  • What was the underlying cause of the pulmonary embolism?
  • Is there any permanent damage done to the lung tissue?

Sometimes a pulmonary embolism is a random occurrence, such as a gas bubble. In this case, it may not be a big deal at all, and there may be nothing to worry about later. This will increase your odds of getting approved for a standard rate.

However, in many instances, a pulmonary embolism is the result of deep vein thrombosis (DVT). If this was the cause of your pulmonary embolism, then the insurance company will consider the reason behind the DVT, and then decide if you are a candidate they should underwrite for a policy. There are many things that increase a person’s chance of DVT, including:

  • Major surgery
  • Cancer
  • Pregnancy
  • Trauma to the leg
  • Antithrombin deficiency
  • Blood type that is not O
  • Low free protein

If it is a hereditary occurrence such as antithrombin deficiency, there is a higher chance of a pulmonary embolism reoccurring. This may make your insurance price go up.

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What will a life insurance company ask me about when I apply?

A life insurance company isn’t likely to automatically write you off because you have a pulmonary embolism in your medical history. However, they will spend some time trying to understand your medical history and current state of health. They will do this, first by asking you to undergo a life insurance health examination. Second, they will likely interview you to learn what they couldn’t learn from the physical. During the interview they may ask you any or all of the following questions:

  • When was your pulmonary embolism?
  • What was the underlying cause of the embolism?
  • If you had deep vein thrombosis, what was the cause of that?
  • Have you felt any discomfort in your chest after?
  • Have you had any other side effects?
  • Were you given any anticoagulants?
  • How did you treat your pulmonary embolism?
  • Have you had any side effects caused by medication and/or your treatment?
  • Did you have surgery to manage your pulmonary embolism?
  • How long were you hospitalized for treatment?
  • Was there any permanent damage done to your lung tissue?

These questions will help a life insurance agency to determine if there is anything to worry about after your pulmonary embolism. As mentioned, in many cases, if you have survived a pulmonary embolism, then you will likely not have an increased risk of mortality due to it later.

How do I apply for life insurance with a pulmonary embolism in my medical history?

Whenever you are applying for a life insurance policy, it’s important to know that not every life insurance company is right for every case. The life insurance company that was a great choice for your neighbor, who has never had a pulmonary embolism, may not be the right one for you. Life insurance companies all work in different ways, and assess risk differently. That’s why even though most individuals with a pulmonary embolism in their medical history breeze through the application process, it’s smart to know which life insurance company is right for your case.

Life insurance carriers will consider much more than your pulmonary embolism. In fact, even though your pulmonary embolism may be one of the most significant events in your life, a life insurance company may find other things more important. For example, if you are a smoker, this is likely a greater concern than how you triumphed over a pulmonary embolism. Because underwriting a person for a life insurance policy has so many variables, it’s really important that you apply for a policy with the right company.

Those with a history of health issues may need to consider choosing burial insurance from among the top final expense life insurance companies.

How can I know which life insurance company is right for me?

Instead of wading your way through dozens upon dozens of life insurance carriers and policies, you can consider taking an expert’s advice. 

If you don't know who to talk to, give us a call. A life insurance agent can help guide you in the right direction. 

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