Qualify for life insurance with a Left Anterior Hemiblock.

Have you been diagnosed with a left anterior hemiblock?  And are you now considering purchasing a life insurance policy or need additional life insurance coverage?  If so, you’ve come to the right place!  So, let’s get started!

First of all…

Just so that we’re all sure that we’re talking about the same thing, let’s just take a moment to briefly define exactly what a left anterior hemiblock is.  Because as you may or may not know, there are actually two different names used to describe a left anterior hemiblock.

Left Anterior Hemiblock Defined.

Left anterior hemiblock or left anterior fascicular block is defined as an abnormality in the electrical activity of the heart. This is different from left bundle branch block because this is caused only in the anterior half.

What causes hemiblocks?

There are various things that cause hemiblocks, but the most common is probably coronary artery disease or myocardial infarction. People also get it from hypertension.

Qualifying for Life Insurance with Left Anterior Hemiblock.

The most important thing to remember is that a left anterior hemiblock in and of itself is not really a big deal in the “world of life insurance”.


If you’ve been diagnosed with a left anterior hemiblock but have nothing else notably wrong with your health, then “theoretically”, you can should still be able to qualify for a traditional term or whole life insurance policy.

In Fact…

You may even get a preferred rate. Imagine that – a preferred rate with a health condition of the heart! That’s something you would have never imagined, right?

But don’t get excited too fast…

If your left anterior hemiblock is indicative of any more significant problem, then we do have a problem. And unfortunately, in quite a number of cases, left anterior hemiblock will have a root cause that isn’t going to be looking too good to life insurance companies.


If you do have a heart problem that is bigger than your left anterior hemiblock, then you’ll have to consider your options.

Do you have a serious heart problem?

If yes, then getting insured is going to be a challenge. Major heart problems are always going to complicate the approval process. Which is why you’ll definitely want to “shop around” prior to apply for coverage.

This is because not all life insurance companies are going to use the same underwriting guidelines when determining who the will and won’t insure so even if you’ve been turned down before, it doesn’t mean that there isn’t an insurance company that won’t insure you now.


It’s quite possible that you may have a pre-existing medical condition which will simply make qualifying for a traditional term or whole life insurance policy impossible.  But that doesn’t mean that there aren’t “alternative” insurance products that won’t be available to you!

What?  I can still qualify for life insurance even with a significant pre-existing medical condition?

Yes, you read that right. Sure, it may not be a whole or term life policy, but people with severe heart problems can get a guaranteed issue life insurance policy. This is much better than nothing and will give you the peace of mind of knowing that your funeral and final expenses won’t cost your loved ones anything – you’ll have it covered.

If you have a minor heart problem…

Then you may still qualify for a term or whole life insurance policy through some life insurance companies. Every life insurance company analyses health problems differently.  Just because you have some issues doesn’t mean you should give up on your dream of getting life insurance coverage.

Finding the best life insurance for your condition…

Can be a little tricky. And it’s not as easy as simply making a list of which insurance companies are best for which heart problems. If it were that easy, trust us; we’d put it right here in that blog.

Why isn’t it that easy?

Well, you are a sum of all parts. And one health condition isn’t your only identity. In fact, you have to consider a number of other things when getting a life insurance policy such as:

  • Height & weight
  • Blood pressure
  • Past surgeries
  • Past & present prescription medications
  • Mental health
  • Blood work
  • Urine samples
  • Felony charges
  • Smoking habits
  • Drug habits
  • Hobbies

These are just a few things that life insurance companies will look at before issuing you a life insurance policy. That’s why we simply cannot just say “Hey, XYZ Life insurance company is the best for left posterior hemiblock and QRS Life Insurance is best for myocardial infarctions.” Nope, it doesn’t work that way!

In fact…

Getting a life insurance policy is an experience that needs to be personalized. If you and your friend both have left posterior hemiblock, it’s still pretty unlikely we will recommend the two of you the same life insurance companies and policies. That’s because aside from that hemiblock, you are two very different people with very different medical histories and lifestyle choices.
That’s why…

You really can’t just read a bunch of articles on the internet and hope to find the right life insurance policy. Nobody can recommend “the best” life insurance without knowing anything about you. If they try – don’t believe ‘em!


Speak with an expert like TermLife2Go. We work with dozens of life insurance companies and individuals with all sorts of different situations. We will get to know a lot about you – everything a life insurance company would want to know – and then we use that info to find you a life insurance policy that is really great for you!

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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