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How to Find Life Insurance with Ventricular Septal Defect

Researcher & Writer
September 16, 2015

Before you apply for life insurance it is important to take note of one key tip that can help save you money. Shop around for the best policy and the best rate from the top rated best life insurance companies and no medical exam life insurance companies in the marketplace.

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.  Contrary to what you’ve probably heard, it is possible to get life insurance coverage with Ventricular Septal Defect (VSD).

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.

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What will a life insurance company ask me about VSD?

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 VSD?

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.

Choosing burial insurance from among the best final expense or burial insurance companies might be the only option for more serious sufferers.

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.  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 speak with a licensed life insurance agent.  They will be able to answer any questions you may have and help you find the right company for your unique needs. 

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