Any time you apply for a traditional term or whole life insurance policy with a pre-existing medical condition chances are, things are going to get a bit “tricky”. Especially if that pre-existing condition is one that affects your heart like Wolff-Parkinson-White Pattern (WPW) does!
But that doesn’t mean…
That you’re not going to be able to qualify for a traditional term or whole life insurance policy, it just means that you’re going to want to be sure that your agent is familiar with you condition and has multiple options to consider when trying to pair you up with a great life insurance policy!
Now the good news…
Is that you’ve found us here at TermLife2Go, because we specialize in helping folks with pre-existing medical conditions qualify for great life insurance policies all the time and aren’t afraid to take on more “challenging” cases.
Which is why…
We’ve chosen to write this article so that not only can we answer some question you may be wondering about such as:
- How much impact will my Wolff-Parkinson-White diagnosis have on my life insurance application?
- Will I be disqualified for Wolff-Parkinson-White Pattern and if not what kind of rate will I receive?
- And are there certain “types” of life insurance policies that might be better for me than others?
Now these are just some of the questions we’ll try to answer for you about applying for life insurance with Wolff-Parkinson-White Pattern in this article. So if you’ve been diagnosed with Wolff-Parkinson-White Pattern (WPW) and you’re currently in the process of shopping for life… Keep reading this article is meant for you!
So, what is Wolff-Parkinson-White Pattern?
This is when your heart has an additional electrical pathway between the upper and lower chamber of the heart. A fast heartbeat does not occur in all cases of Wolff-Parkinson-White Pattern.
This extra pathway results in a heartbeat that is faster than normal.
Is it serious?
Wolff-Parkinson-White will probably not end your life, if that’s what you’re asking. However, you will have to be careful – after all, this is your heart we’re talking about!
Symptoms of Wolff-Parkinson-White Pattern.
The symptoms of WPW may include:
- Feeling dizzy,
- Heart palpitations,
You may feel other symptoms related to an “uneasy” heart.
Depending on how bad your Wolff Parkinson White Pattern is, the treatment can range from simple exercises that can help your heartbeat get back on track to radiofrequency catheter ablation.
Now at this point…
We usually like to remind folks that we here at TermLife2Go are not medical professionals, and we’re certainly not doctors. All we are is a bunch of life insurance agents who just happen to be really good at helping folks with pre-existing medical conditions find insurance.
If you have any specific medical questions that you would like to ask, please contact your doctor, we’re certainly not qualified to handle those types of questions. However, if you have any questions about how your Wolff-Parkinson-White-Pattern may affect your chances at qualifying for a life insurance policy, good news, we’re about to discuss that!
Qualifying for Life Insurance with Wolff Parkinson White Pattern.
Whenever anything is “wrong” with a major organ such as the heart, there is cause for concern and necessary medical action is required. The good news is that WPW is one of the less severe heart problems one can have – especially if you are one of the lucky ones who does not even experience symptoms.
Qualifying for Life Insurance.
If you suffer from zero or Minimal Symptoms as a result of your Wolff Parkinson White Pattern, it is completely reasonable to assume that you will be able to qualify for whole or term life insurance!
That is of course if you would otherwise be eligible for such a rate despite having been diagnosed with Wolff Parkinson White Pattern!
Minimal or Semi-Moderate Symptoms.
Those suffering from minimal or semi-moderate symptoms may also be able to qualify for a traditional term or whole life insurance policy as well. In cases like these, we would generally like to “shoot” for a Standard or Normal rate if possible.
Luckily individuals suffering from moderate symptoms may also be able to qualify for coverage as well. Only now, these individuals will usually be considered a “higher” risk for life insurance and will usually only be able to qualify for a Table Rate.
Table rates are life insurance rates that fall below a standard rate and are usually reserved for higher risk applicants. There are 10 Table Rates in total ranging from Table A (the best or least expensive table rate) to Table J (the worst or most expensive table rate).
The good news is…
That those suffering from moderate symptoms will usually qualify for a table rate ranging from Table A to C, which isn’t all that bad considering you suffer from a heart condition!
Finding the best rate possible.
Remember, WPW is only one part of the equation. Life insurance companies will factor in many things before they offer you a life insurance rate. Those things include but are not limited to:
- Overall Health
- Blood Pressure
- Lifestyle Choices (smoking, etc)
All of these things will factor into your rate.
Best Life Insurance Company for Wolff Parkinson White Pattern.
Is there one life insurance company that people with WPW should count on? Not exactly. As just explained, there are other factors that go into the equation. If you have no or minimal symptoms, WPW isn’t even going to factor in much at all…but your weight, smoking habits, cholesterol and so on will.
If we recommend one life insurance company to use with WPW, we would be pointing you in the wrong direction! Since our overall goal is to help clients find the best life insurance (i.e. the most affordable life insurance that offers the most coverage), we don’t want to do that!
Personalized Life Insurance Recommendations is the Only Way!
The only way to truly know if you have found the best life insurance policy for WPW and your other factors is to have a personalized assessment from someone who knows and understands the life insurance industry as a whole. Just Bury Me is that expert!
TermLife2Go can help!
We work with customers who have unique situations – like people with WPW. Using our knowledge of more than sixty of the best life insurance companies in the USA, we recommend term or whole life insurance policies that work with your complete profile – not just your WPW.
Now you may not qualify be able to qualify for coverage.
If you have another serious health issue – or something in your medical past – there’s also a chance you may not qualify for a term or whole life insurance policy. As mentioned, WPW will NOT disqualify you…but something else could. In these cases, now only will we explain “why” you may not be eligible for a traditional term or whole life insurance policy, we’ll also try to match you up with an “alternative” life insurance product such as a “guaranteed issue life insurance policy” which might be an acceptable option for you.
At the end of the day our one and only goal here at TermLife2Go is to help you find the “best” life insurance policy that you can qualify for!
So, what are you waiting for? Give us a call today or visit our Life Insurance Quotes page and see what we can do for you!