When considering life insurance with endocarditis or any other serious ailment, the key to finding the best life insurance rates is to apply with the best company. At TermLife2Go, we work with dozens of the top rated life insurance companies. We focus on the unique areas of expertise offered by each company to help align our clients with the best company for each client’s specific health and lifestyle profile. Give us a call today to see what we can do for you.
Endocarditis and Life Insurance
If you have ever tried to apply for a life insurance policy with a pre-existing medical condition, you know it’s no easy feat. Life insurance agents, (and carrier underwriters) want to know everything about your medical history and current condition, making it a bit nerve-wracking if you do have anything wrong.
Not all medical conditions are treated equal. When you start looking around for a life insurance provider, you need to consider your specific disease or condition. We at TermLife2Go set out to inform patients about applying for life insurance with various medical issues. Here, we will discuss what you need to know about applying for life insurance with endocarditis.
Life Insurance with Endocarditis.
What is Endocarditis and why do life insurance providers care?
Your heart has an inner lining known as the endocardium. In rare cases, this lining may become infected by germs or bacteria that arrive in the heart from other parts of your body.
Life insurance agencies don’t care about every infection you’ve ever had, but they will definitely pay attention if your heart’s health is at stake. If you have endocarditis and are not treated right away, the infection can damage your heart valves. Any kind of damage to a major organ can be extremely dangerous. In fact, it may lead to early mortality.
Will I qualify for life insurance with endocarditis?
The short answer: it depends on the damage to your heart. The more damage you have, the more likely endocarditis is going to cause problems in the future. If you had endocarditis and took care of it immediately with antibiotics, resulting in no permanent damage, then your chances of securing a high risk life insurance policy are much better.
The product options are limited for those clients who have moderate to severe damage to the heart. These clients may need to consider burial life insurance from the top final expense insurance companies.
What will happen when I apply for a life insurance policy with endocarditis?
- Physical examination- If you are applying for a traditional life insurance policy, the first thing you will have to do is undergo a life insurance medical examination. This helps a life insurance agent to understand your current state of health. You may have to provide current lab reports or even an echocardiogram.
- Interview- Here you will likely have a conversation with a life insurance agent. He/she will ask you a series of questions related to your endocarditis, medical history, and lifestyle. To help you prepare, we have put together a list of possible questions you may be asked related to your endocarditis. Remember, you may be asked any or all of these questions—or even other questions. It is your job to answer them as truthfully as possible.
- When were you diagnosed with endocarditis?
- How long did it last?
- What was your treatment for endocarditis?
- Was it effective or did you have to use another form of treatment?
- Are you currently taking any medications for your endocarditis?
- What was the cause of your endocarditis?
- Did you have any heart problems prior to endocarditis?
- Have you felt any symptoms in the last six months? If so, please describe.
- How often do you visit a cardiologist?
These questions will help the life insurance agent to determine the state of your endocarditis. In conjunction with your medical exam, the carrier underwriter will decide whether it poses a threat to your mortality. The applied with company will approve or deny your life insurance application accordingly. If you are approved, this will help the underwriter decide the rate to offer you.
What if I don’t qualify for a life insurance policy?
A traditional life insurance policy requires you to have a physical examination, and may be harder to get approved for if you have had endocarditis. However, you can still apply for an insurance policy that doesn’t require a physical examination or medical history review. This kind of policy may offer less coverage, but is still better than nothing.
It is also important to remember that not all life insurance companies will come to the same conclusion on any given case. If one life insurance company rejects you doesn’t mean others will. For example, it is a lot more likely that an automotive insurance company that also offers life insurance will refuse to underwrite your policy with endocarditis than a company that mainly focuses on life insurance. This is because automotive insurance companies don’t have the vast experience necessary to deal with complex medical cases. We recommend that you talk with the experts at TermLife2Go.
We are a third-party organization with no vested interest in pushing forth any particular life insurance company. We make custom recommendations based on all factors—if two endocarditis patients come to us today, other factors such as their weight, health history, and whether or not they smoke, may even lead us to make two totally distinct recommendations. We care about what’s right for you and only you—not what’s right for most endocarditis patients.
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!
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