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Qualifying for Life Insurance with a Bigeminy Heartbeat

Researcher & Writer
March 30, 2020

If you have a pre-existing medical condition like a bigeminy heartbeat or a premature ventricular contraction (PVC) can you qualify for life insurance?

The severity of your condition will determine the right route to take to get insured. And it is not so straight forward as A to B. Instead, there are many factors to consider.

Some might be better off choosing simplified issue life insurance where there are only a few health questions and no exams.

Or perhaps your situation calls for a guaranteed issue life insurance policy where there are no health questions or exams.

And maybe your condition makes it possible to get ordinary life insurance requiring an exam.

Considering a bigeminy or a PVC as an arrhythmia, we may miss something early on during the application process which could potentially come back and bite us later on down the road.

This is why if you’ve been diagnosed with a PVC or a bigeminy heartbeat, we’ll want to be sure to correctly document your pre-existing condition on your life insurance application right from the start so that we can ensure you the greatest opportunity for success.

It's also important that we have a pretty good understanding of what a bigeminy heartbeat is and why it may play a significant role in the outcome of your life insurance application. So without further ado, let’s dive right in!

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About bigeminy

Individuals who have been diagnosed with bigeminy, will have an irregular heart beat. After each routine beat, the patient will experience another premature beat that comes too early.  This is why bigeminy can also be referred to as a premature ventricular contraction (PVC).

The good news

Bigeminy’s or PVCs are pretty common and are not always a major concern.  In fact, if you’re in good health and don’t have any other pre-existing heart conditions, there’s a pretty good chance that your PVC may not require any medical treatment at all.

If you have been diagnosed with another pre-existing heart condition such as atherosclerosis or valvular heart disease, this “extra” premature heartbeat may require some individuals to take medications so that their condition won’t complicate of worsen any other more “serious” heart conditions.

Common symptoms of bigeminy

  • Dizziness or lightheadedness.
  • Fainting.
  • Feeling as though ones’s heart is:
    • skipping a beat
    • working too hard
    • beating too fast

That is of course if the individual actually notices anything at all, because for many, their condition may be completely symptom free.

Potential causes of bigeminy

It is generally believed that there many factors that can lead one to develop bigeminy.  Factors such as:

  • family history
  • Endocarditis
  • Coronary artery disease (atherosclerosis)
  • Cardiomyopathy
  • environmental stimuli such as:
    • caffeine
    • nicotine
    • narcotic stimulants such as cocaine
    • herbal remedies
    • Thyroid disease
  • electrolyte imbalance

Possible treatments for bigeminy

Now as we’ve just pointed out, bigeminy can be caused by a wide range of factors which is why the treatment strategy can differ significantly from one patient to another.

For example, if your bigeminy seems to be related to your “triple shot espresso”, you can’t live without first thing in the morning, chances are, your doctor is going to recommend that you tone down your enthusiasm for your morning cup of joe.

However, if your bigeminy is due to some other pre-existing heart condition like endocarditis or atherosclerosis, while cutting back on your caffeine intake may be helpful, it’s not necessarily going to resolve your fundamental health issues.

Challenges in getting life insurance with bigeminy

It’s also going to be difficult to provide an accurate life insurance quote for someone who has been diagnosed with bigeminy or premature ventricular contraction simply because unless we know what the “root” cause of your bigeminy we simply won’t know for sure how a life insurance underwriter will treat your life insurance application during the underwriting process.

When it comes to underwriting a life insurance application for someone who has been diagnosed with bigeminy, it’s important to understand that you could be eligible for up to 12 different rate classes ranging from a Preferred Plus all the way to a “Table Rating” of H.

This is why, once it’s been determined that you have a bigeminy heartbeat, insurance companies are going to ask a series of questions designed to determine how serious your bigeminy diagnosis may be.  Then with these answers in hand, they can then begin to “underwrite” your life insurance application appropriately.

Common questions you’ll likely be asked regarding your premature ventricular contraction may include:

  • When where you first diagnosed with a premature ventricular contraction?
  • Who diagnosed your premature ventricular contraction? A general practitioner or a cardiologist?
  • What, if any, symptoms are you experiencing due to your PVC?
  • Have you been able to determine the “root” cause of your PVC?
  • Have you been diagnosed with any other heart conditions?
  • Have you received any treatments to treat your PVC?
  • What medications are you currently taking now?
  • In the past 12 months have you used any tobacco or nicotine products?
  • Are you currently working now?
  • In past 12 months have you applied for or received any forms of disability benefits?

From here, the life insurance companies will generally have a pretty good idea about what type of life insurance policies you will and won’t be eligible for, as well as what rate you might be expected to pay for your insurance.

Your agent will use this information to compare different life insurance underwriting guidelines against one another so that we can get a better idea about which insurance company might be the best fit for you based on your pre-existing medical conditions.

We work with dozens of different life insurance companies that offer a wide variety of different life insurance products such as:

  • Traditional term or whole life insurance policies
  • Simplified issue life insurance policies
  • And guaranteed issue life insurance policies

Which means that we don’t have to simply rely on one or two different options when it comes time to helping you find the best life insurance policy you can qualify for, we can make them all compete for your business.

So, what are you waiting for?  Give us a call today or visit our Life Insurance Policy Quotes page and see what we can do for you.

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