Before you apply for life insurance it is important to take note of one key tip that can save you thousands of dollars on the life of your policy. Make sure that you apply with an agency, such as TermLife2Go, that can shop dozens of top rated best life insurance companies and no medical exam life insurance companies in the marketplace. Having multiple choices allows our agents to align each client with the best company tailored to each client’s health and lifestyle. This is how we find our clients with a ventricular septal defect the best life insurance rates and we can do it for you as well. Give us a call today for a free consultation.
Ventricular Septal Defect and Life Insurance
Once you decide to take the plunge and make the investment of a lifetime in a life insurance policy, you’ll realise that every aspect of your life counts, particularly your health. Life insurance experts are very interested in every illness, operation and abnormality. If you were born with ventricular septal defect (VSD), then a life insurance agent will want to know about it! Contrary to what you’ve probably heard, it is possible to get life insurance coverage even with a high risk medical condition such as VSD. TermLife2Go is a third party organization (read: not a life insurance agency) that help patients with high risk diseases like yours to secure a great life insurance policy.
How to find Life Insurance with Ventricular Septal Defect
What is ventricular septal defect and why do life insurance agencies care about it?
Your heart’s job is to pump oxygenated blood from the heart to the body. However, when you have a ventricular septal defect, this process gets off track. There is a wall separating the lower chambers of your heart. People with ventricular septal defect have a hole in this wall which allows oxygenized blood back into the lungs instead of sending it on to the rest of the body. As a result, your heart is not as efficient as it should be.
VSD can occur as a:
- birth defect
- side effect from a heart issue or heart attack
- result of down syndrome
A small hole may not be such a big deal. However, a bigger hole will cause some problems and may even require surgery. Because VSD directly impacts what is arguably the most important organ in your body-the heart- insurance companies will walk cautiously before underwriting a life insurance policy for a VSD patient.
A life insurance agency will consider your overall health and how ventricular septal defect has impacted it. A life insurance agent will want to know about any complications or procedures associated with your VSD:
- Surgery- If you have had surgery to fix your VSD, it generally means your VSD was more severe than if you hadn’t. However, it also means that your VSD has been treated. A life insurance agency will likely follow up with questions related to your surgery such as:
- When was the surgery?
- Have you had any other complications post-surgery? If you had the surgery at least a year ago, and you have had no complications, then this is great news for your life insurance eligibility
- Pulmonary hypertension- More blood flow back to the lungs can increase your blood pressure. Your life insurance agent will be concerned if you have pulmonary hypertension, particularly if you have any permanent damage to the arteries.
- Heart problems- If VSD has caused any other heart problems such as arrhythmia or valve problems, your life insurance agent will want to know about it.
Ventricular septal defect vs. Atrial septal defect
As mentioned, in VSD the hole in the wall between your lower chambers. In Atrial septal defect, the hole is in the wall between the upper heart chambers. The symptoms and long term effects are quite similar, and both will be considered high risk life insurance conditions.
What will a life insurance company ask me about ventricular septal defect?
As mentioned, a life insurance company will try to determine your overall health and how your VSD or ASD has impacted it. They will do this by gathering as much information as possible to determine whether or not you have a heightened risk of early mortality due to your VSD or ASD. They may ask you:
- When were you diagnosed with VSD?
- How big is the hole?
- Have you had surgery?
- Have you had any other treatment?
- Have you ever been hospitalized for VSD?
- When was the last time you experienced symptoms?
- Do you suffer from arrhythmia?
- Do you have any other side effects such as pulmonary hypertension or heart disease?
- What is your doctor’s prognosis?
- Do you often feel short of breath or fatigue?
- When was the last time you had a lung infection?
- How many lung infections have you had in the last 5 years?
In addition to these questions, a life insurance company will probably ask you to undergo a life insurance medical exam. This allows the life insurance company to seek a professional opinion rather than simply relying on your word.
Will I get approved for a life insurance policy with a ventricular septal defect?
The short answer: yes, you should. The long answer: you’ll need to be sure to apply with a life insurance company that understands the (limited) risks associated with VSD to qualify for the best possible life insurance coverage.
Some life insurance companies are completely unfamiliar with VSD and thus may be more hesitant to offer you a policy. That’s why it is important to apply with the most ventricular septal defect friendly life insurance company in order to increase your chances of coverage.
How do I know which life insurance company I should apply to?
It’s difficult to know which life insurance company is best for your specific situation. It’s also impossible for us at TermLife2Go to make a recommendation that is appropriate for all VSD patients. The reason for that is because every individual must consider other variables as well. If you have a different lifestyle than another VSD patient, then it’s possible that a different life insurance company is right for each of you, despite your shared experience with VSD.
Your best bet is to call us at TermLife2Go. We are a third party organization that works with policy seekers to find the best type of life insurance policy for their specific situations. We get to know the policy seeker and then make customized recommendations appropriate for their life and needs. We can make these recommendations because at TermLife2Go, we have extensive knowledge of the policies offered by dozens of the best life insurance companies in North America. We have no vested interest in pushing one insurance company over another; our only interest is getting you the life insurance coverage you deserve!
If you would like to know more about how TermLife2Go can help a ventricular septal defect patient like you secure a great life insurance policy at the best price possible, then call us today for a free consultation.
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!