Whenever we get a life insurance quote request from someone who has been diagnosed with a carotid bruit, they’re usually pretty surprised that it’s going to play a significant role in the outcome of their life insurance application.
This is of course unless they’ve actually begun to experience some of the more severe symptoms that can be associated with having a carotid bruit.
In cases like these, the clients calling in will usually be quite aware of the potential seriousness of their condition and rather than be surprised that it may affect the outcome of their life insurance application, they’re just hoping that they will still be able to qualify for a traditional term or whole life insurance policy!
If you have a more extreme case of carotid bruit or you have additional health concerns you may need to consider simplified issue or guaranteed issue life insurance from some of the best burial insurance companies in the U.S.
About Carotid Bruit.
A carotid bruit, is a term used to describe the “abnormal” sound that blood makes as it passes through the carotid artery that has some type of blockage within it.
It is the “blockage” that will create a rippling sound that can be heard with a stethoscope allowing one to diagnose the bruit and thus diagnose a blockage located within the carotid artery.
Carotid bruits, are generally caused by a buildup of plaques in the arteries that attach themselves to the inner lining walls creating obstructions within the arteries themselves. It is these “blockages” that are located within the carotid artery that will create a carotid bruit.
Common symptoms associated with having a carotid bruit may include:
- A sudden weakness or semi paralysis of one side of the body or another.
- Garbled speech.
- Vision problems.
- Feeling of lightheadedness or dizziness.
- Numbness in ones’ face or extremities.
Now the main reason…
Why life insurance companies are going to be concerned about an individual who has been diagnosed with a carotid bruit, is because, a carotid bruit is an actual physical sound alerting one to the fact that you have plaque building up within your arteries!
And let’s face it, that’s not good.
This is why…
You’re generally going to find that most life insurance companies are going to classify anyone who has been diagnosed with a carotid bruit as a “high” risk applicant. Which means that, they will generally only qualify for what is called a “Table Rating”.
Now you may be wondering what a “table rating” is, so let’s briefly discuss that now.
A table rating is a life insurance rate that is generally reserved for those who are consider a “greater risk” than a normal or standard life insurance applicant. There are a total of 10 table ratings ranging from Table A all the way to Table J. The higher the table letter, the higher the presumed risk which will translate into the higher price one will need to pay in order to be insured.
Now the good news is that…
Most life insurance applicants who are approved for a traditional term or whole life insurance policy with a pre-existing conditions such as carotid bruit, will be approved with either a Table A, B or C rating.
Factors that will come into play in determining which table rating you might receive will include:
- How old are you now?
- What is your current height and weight?
- When were you first diagnosed with a carotid bruit?
- How loud is your carotid bruit?
- Who diagnosed your carotid bruit? A general practitioner or a cardiologist?
- Have you been diagnosed with any other heart related medical conditions?
- Have you ever suffered from a heart attack or stroke?
- Has any of your immediate family members (mother, father, brother or sister) ever suffered from a heart attack or stroke?
- Have you ever had an EKG performed? And if so, when? And what were the results?
- Have you ever had a cardiac stress test performed? And if so, when? And what were the results?
- Are you currently working now?
- In the past 12 months have you applied for or received any form of disability benefits?
These questions combined with your medical exam results and any medical records that may be requested from you doctors will generally provide an insurance underwriter with enough information for them to be able to make a decision regarding your life insurance application.
And while most…
Of the decision making process, will be completely out of your control, there are a few things that you can do to increase your chances for success.
For example, when it time to take your medical exam, you can:
- Schedule your exam first thing in the morning when ones’ blood pressure, cholesterol and blood sugar levels are usually at their lowest.
- Avoid any caffeine or nicotine the morning of your exam.
- Avoid any alcohol consumption for at least 24 hours before your exam.
- And try to avoid any fat or salty foods 24-48 hours prior to your exam as well.
Additionally, it’s important to understand that not all life insurance companies are going to follow the same underwriting guidelines.
Which means that if you’ve…
Been diagnosed with a pre-existing medical condition like a carotid bruit, you’re definitely going to want to work with an insurance brokerage that has access to dozens of different life insurance companies so that you don’t have to rely on the decision-making process of just one or two insurance carriers.
Fortunately, we here at TermLife2Go…
Have chosen to remain an independent life insurance brokerage that is able to work with dozens of different life insurance companies with just one goal in mind…
“Which is to help you find the best life insurance policy
that you can qualify for!”
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!