Qualifying for Life Insurance with a Functional Murmur.

In this article, we’re going to discuss what it means to be diagnosed with a “functional” murmur and how it is important to make sure that your life insurance agent is aware that there is a huge difference between a “functional” murmur and “other” murmurs which could potentially have a much more serious effect on the outcome of your life insurance application.

Functional Murmurs defined.

Heart murmurs are sounds that happen within the heart. They usually occur because of blood circulation through the various parts of the or near the heart itself.

Now in the case of “functional” murmurs, these murmurs are thought to be harmless and not indicative of some larger cardiac condition.  In fact, these “functional” murmurs may also be referred to as “innocent murmurs” because generally they are not associated with any kind of “serious” medical condition.

The trick then becomes…

Knowing which murmurs are “functional” murmurs and which ones are not!  Now, since we’re not doctors, we’re not going to be able to tell you the difference, but what we can tell you is that your doctor should be able to administer several tests including a:

  • Electrocardiogram (ECG)
  • Echocardiogram (echo)

Which should be able to better determine which “type” of murmur you have.

Treatment for innocent heart murmurs.

There really isn’t a treatment for innocent heart murmurs. No medication, no therapy; nothing. It’s just kind of a thing you have to live with.

The good news is that, sometimes they go away with time on their own, but even if they don’t, they won’t pose any serious problems.

Once you’re cleared of other heart problems…

You can relax! Sure; sounds in your heart chambers can feel and seem quite odd. But if your doctor says it’s nothing, then you can relax. It’s also a great thing for your life insurance.

Getting Life Insurance with Innocent Heart Murmurs.

Yes, it is definitely possible to get life insurance with innocent heart murmurs. In fact, if your health checks out in all other areas, you may even get a preferred rate.

Heart Murmurs that aren’t so “Innocent”.

If you have more serious heart murmurs, then your first priority should be getting healthy. But as far as health insurance goes… you may also be able to qualify for a traditional term or whole life insurance policy, only now, you’re definitely going to want to speak with an insurance expert to ensure that you have the greatest likelihood for success!

But keep in mind…

Life insurance companies look at a lot of aspects of your life and health to determine your rate for a term or whole life insurance policy. So regardless of what “type” of murmur you may or may not have, there still are a lot of other factors that are going to come into play when it comes to applying for a traditional term or whole life insurance policy.

Here are some “other” things a life insurance company will want to know about as well:

  • Diabetes
  • Heart condition
  • Blood pressure
  • BMI/Weight/Height
  • Age
  • Smoker?
  • Drinker? How much? Does alcoholism run in your family?
  • Mental State
  • Medications past/present
  • Hobbies
  • Career
  • Major surgeries

Any of these things could other “factors” in addition to any “other” pre-exising medical conditions could make or break your eligibility.

Now if everything…

Checks out, and you’re a “perfect” candidate for a life insurance policy, then you’ll be on your way to a great policy at a great rate!   However, if your like most people and you have a few potential “issues” that could cause a life insurance company to “pause”, well then…
You’ll definitely want to speak with an insurance expert before you decide to apply for coverage.

The good news…

Is that we here at TermLife2Go specialize in helping folks with pre-existing medical conditions find great life insurance policies that they can qualify for.

We start by…

Finding out info about you. Basically, everything life insurance companies want to know, we do too – that’s how we can find you a great rate. Then, we take that info and compare it to what we know about life insurance policies from various companies. We find the one that will work to your advantage; giving you the best coverage at the lowest price.

But don’t forget…

Every life insurance consultation is customized. If you and your sibling both have heart murmurs, but aside from that you have very different medical histories, then we’ll likely recommend the two of you very different life insurance policies/companies. That’s because we customize every recommendation to meet ALL of our client’s needs. We don’t isolate facts; we look at you as a whole package and make life insurance recommendations accordingly.

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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