When you start to look for a life insurance policy with a pre-existing medical condition like myocarditis, you’ll realize very quickly that things aren’t quite as easy as if you had perfect health.
But that doesn’t mean…
That individuals who have been diagnose with myocarditis won’t be able to qualify for a traditional term or whole life insurance policy. Heck! They may even be able to qualify for a no medical exam life insurance policy provided that you know what to expect when applying for coverage and… where to look!
Which is why…
We’ve chosen to write this article about qualify for a traditional term or whole life insurance policy after being diagnosed with myocarditis so that not only will you be better prepared for your exam, you’ll also know what questions you should be asking during your application.
So, without further ado, let’s begin our discussion by first defining exactly what myocarditis is and briefly explain why it’s going to be something that most life insurance companies are going to be interested in as you apply for coverage.
This is a disease of one of the most important muscles in the body: the heart. Let’s break it down:
Myo– this part of the word means “of the muscle “ (think: myocardial infarction, myositis)
Cardio– or in this case, “Card” is related to the heart (think: cardiac pacemaker, cardiac failure, cardiomyopathy_
Itis – means inflammation (think: pancreatitis, arthritis, gastritis, and many more!)
So, this basically means when the heart muscle gets inflamed. If the heart is inflamed, it will impact the way it functions
Is myocarditis deadly?
Yes, unfortunately it can be. It does lead to sudden death.
How do you get myocarditis?
There is a lot of research to suggest that myocarditis is often due to viruses or infectious diseases. This is a short list of possible causes of myocarditis:
- Viruses such as Herpes Virus 6 and Enterovirus
- Bacteria such as staphylococcus aureus
- Blood-born parasites
Types of Myocarditis.
There are many different types of myocarditis, but mostly the types are ranked based on the way it manifests and probably the outcome.
- Possible subclinical acute myocarditis
- Probably acute myocarditis
- Definite myocarditis
- Myocarditis resembling a heart attack
- Myocarditis resembling acute or chronic heart failure
Treatment for Myocarditis.
This is a disease which often goes away naturally. However, your doctor may give you certain drugs to speed along the process.
If you have severe myocarditis.
Then you will probably be given an intravenous medication to get the heart working better immediately. Other possible treatments include:
- Ventricular assist devices
- Intra-aortic balloon pump
Qualifying for Life Insurance with Myocarditis.
Myocarditis is a serious issue, but it’s also one that people do recover from, so it’s not necessarily going to disqualify you altogether.
Which means that…
If you have had myocarditis in the past…and you aren’t showing any recurring symptoms and all seems well with your health, then you probably won’t “automatically” be declined a traditional term or whole life insurance policy assuming that you would otherwise be eligible for coverage.
That being said however…
It also means that you’ll also “most likely” not be able to qualify for a preferred or standard rate. Instead, you’ll most likely qualify for what is called a “table rate”.
Supposing your overall health is good and you live a relatively risk-free lifestyle, then you can probably qualify for a Table A-C rating with myocarditis in your past.
The difference between Table A and Table C.
There are Table ratings from A-J. A is the most affordable, and with each letter the premium or cost gets a little higher. So, Table A should be your goal!
Finding Table A rating with Myocarditis.
The trick here is to remember is that not all life insurance companies rate in the same manner. One life insurance company may look at your medical records and decide that you are easy to insure, and will offer you a Table A rating without hesitation.
However, another life insurance company could look at the exact same information and decide that your health only warrants a Table C rating.
So how can you figure out which company is going to be the “best” for you?
We’ll we’d love to tell you it’s super easy, but because there are so many other factors besides your “myocarditis” that could impact your life insurance rate, we just won’t know which company is “best” for you until we’ve had any opportunity to learn a little be more about you.
Other issues they will consider include but are definitely not limited to:
- Weight vs. height (BMI)
- Blood Pressure
- Other sicknesses
- Past surgeries
- Do you smoke?
- Have you been hospitalized?
These and much, much more will impact your life insurance rate. And each life insurance company views each of these variables differently.
To find the right life insurance company, turn to an expert. TermLife2Go will:
- Learn about your myocarditis,
- Learn about everything else in your life that a life insurance company wants to know,
- Search through the policies of more than sixty life insurance companies,
- Make personalized life insurance policy recommendations based on your exact situation,
This is how we help our many customers to find the most coverage at the most affordable price.
What if you don’t qualify for term or whole life?
If your myocarditis was caused by a major issue, then it’s not really going to be myocarditis that’s disqualifying you, but rather the underlying cause. In that case, you may not qualify for term or whole life.
You can still get guaranteed issue life insurance. Remember, just like not all life insurance companies will underwrite for a term or whole life insurance policy in the same way, neither will they for guaranteed issue. Your best next move is still to call TermLife2Go!
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!