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Life Insurance with a Heart Murmur

Licensed Life Insurance Agent/Marketing Manager
April 02, 2020

Many factors are considered when a life insurance company is looking to determine if you qualify for life insurance. One of the big considerations is your health and medical history. 

If you have a heart murmur there are probably a few things you are looking to know about life insurance. This article will cover the following: 

  1. Can I get life insurance if I have a heart murmur?
  2. What will it cost for life insurance with a heart murmur?
  3. What is the process of obtaining life insurance with a heart murmur?

Can I get life insurance with a heart murmur?

Most likely you can get life insurance with a heart murmur. The biggest factors the life insurance company will consider is the severity of the heart murmur along with if you have any other health conditions. 

You can expect that the life insurance company will ask more questions about your heart murmur so they can learn more about you. This will help them determine if you qualify and how much you will pay. You can expect questions similar to: 

  • what type of heart murmur you have,
  • date of diagnosis,
  • treatment you are or have received, and
  • any preventative measures you take (quit smoking, exercise, diet, etc...)

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What is the cost of life insurance with a heart murmur?

Age, health, gender, lifestyle and more are all considered when a life insurance company is looking to determine whether you qualify for life insurance and how much you will pay.

For those who have a mild heart murmur, you can expect lower rates than those who have a heart murmur combined with another health condition such as heart disease. If you have a mild heart murmur you may even qualify for the cheapest rates!

The two main other things that will affect how much you pay for life insurance will be the type of life insurance policy you choose and the amount of coverage you choose. 

Term life insurance is the cheapest type of life insurance. However, it is only active for a certain period of time. If you need coverage to last your lifetime a term policy wouldn't be your best option. 

The amount of coverage you are looking for can also affect the cost. The more coverage you want, the more expensive your policy will be. 

What is the process of applying for life insurance?

The type of policy you choose will affect the full process of applying for life insurance. You have a couple of options.

  • Traditional life insurance policy with full underwriting
  • No exam life insurance policy

Full underwriting means that you will go through a more in-depth process than the other options. A traditional life policy will require a  life insurance medical exam. The examiner will typically come to your home and check things such as height and weight. They will also take a blood and/or urine sample. The life insurance company may also get access to your medical records along with a list of your current and past prescriptions. They will use all the health information they gathered along with your application to determine your eligibility and cost for life insurance.

If you are concerned about doing blood work or just don't like needles than the no medical exam life insurance policy could be a better option for you. If you have a more mild heart murmur this policy may be only a few dollars more per month than the traditional life insurance policy and you get to skip the medical exam. All you have to do is answer a series of questions about your health and lifestyle.


You can obtain life insurance coverage if you have a heart murmur. Your overall health will factor into how much you will pay for your life insurance policy. 

If you aren't sure where to start in the life insurance process, speak with a life insurance agent. They can help guide you through the process and help you find the best policy for you and your family. They can also provide you with quotes from multiple insurance companies so you can find the most affordable rate. 

Written by
Chelsie Ball
Chelsie is fixated on developing innovative ways to present complex ideas and maneuvering people to the information they need. She has worked in digital marketing for the past seven years and has been a licensed life insurance agent since 2010. When she isn’t looking out for the user, you can find her watching Netflix or desperately trying to find a real hobby.