Any time you introduce a pre-existing medical condition into the life insurance application process, you’re generally going to find that the entire “process” of getting approved for life insurance coverage is going to start getting pretty complicated.
And when that…
Pre-existing medical condition happens to be a rare congenital heart defect that is caused by a combination of four separate heart defects you can only imagine the questions an insurance underwriter will have before they’ll be willing to approve an individual for coverage.
The good news is that…
Despite the “seriousness” of the condition, individuals who have been diagnosed with Tetralogy of Fallot can, and often will, be eligible for a traditional term or whole life insurance policy.
The trick then becomes knowing “what” insurance underwriters will be interested in and understand “which” life insurance company may be more “willing” to provide coverage for these “higher” risk applicants.
This is why…
It’s important for you as the consumer, to be sure that your life insurance agent not only has a general or basic understanding of your condition prior to applying for life insurance coverage, but also has access to dozens of different life insurance companies that he or she may choose from so that you’ll have plenty of options when the time comes to actually begin applying for coverage.
About Tetralogy of Fallot.
Tetralogy of Fallot is a rare congenital heart condition which is caused by a combination of four heart defects present at birth. Combined, these defects will affect the actual physiology of the heart itself and decrease the hearts ability to provide oxygen-rich blood throughout the body.
In most cases, Tetralogy of Fallot, will be diagnosed at birth or during early infancy, however in some cases depending on the severity of the condition, diagnosis may not occur until later in life.
The four abnormalities that comprise the diagnosis of Tetralogy of Fallot.
- Pulmonary valve stenosis.
- Ventricular septal defect.
- Overriding aorta.
- Right ventricular hypertrophy.
Common symptoms that will likely be associated with having Tetralogy of Fallot will include:
- Cyanosis, a condition defined by a bluish coloration of the skin caused by low oxygen levels in the blood.
- Shortness of breath, short rapid breathing.
- Feeling “light headed” or fainting spells.
- Digital clubbing.
- Heart murmur.
- Difficulty “thriving” in early development or play.
Causes of Tetralogy of Fallot.
It’s important to understand that in the vast majority of cases, the true cause behind why someone will ultimately develop Tetralogy of Fallot during embryonic development is going to remain unknown.
That being said however, researchers have theorized that factors such as:
- Poor maternal nutrition.
- Viral illnesses.
- Genetic disorders.
- Alcoholism during pregnancy.
- And presence of Down syndrome or Digeorge syndrome.
May play a role in its development however, no definitive correlation seems to have been found.
Treatment for Tetralogy of Fallot.
Treatment for Tetralogy of Fallot will include open heart surgery so that the individual defects of the impaired heart can be repaired. Typically, these surgical procedures will be performed soon after birth or within the first year of life and may require additional follow up procedures later on during early adulthood to correct any problems that may develop later on down the line.
Tetralogy of Fallot and life insurance.
Tetralogy of fallot, is one of those medical conditions that has seen a great improvement in the overall prognosis in its patients with the advancement of new surgical procedures.
In fact, historically speaking, the first surgical procedure to treat Tetralogy of Fallot only occurred as recently as 1944 and as one can imagine, quite a bit has changed since then.
This is why…
You’ll be happy to learn that even though you may have been diagnosed with Tetralogy of Fallot as a child, you should still “theoretically” be eligible for a traditional term or whole life insurance policy provided that your condition is well under control.
So… is your condition well under control?
To determine this, you’ll generally find that in addition to ordering medical records from your primary care physician, the insurance companies are usually going to ask you a series of questions to get a better understanding of how “severe” your Tetralogy of Fallot is, and see if you would be a good candidate for a traditional term or whole life insurance policy.
Common questions you’ll likely be as will usually include:
- How old are you now?
- What is your current height and weight?
- Are you currently experiencing any symptoms associated with your pre-existing diagnosis?
- Have you been diagnosed with any other medical conditions such as cancer, stroke or diabetes?
- Do you suffer from any other heart conditions?
- How often you see your primary care physician?
- When was the last time you had an EKG performed? What were the results?
- When was the last time you had a cardiac stress test performed? What were the results?
- Are you currently taking any prescription medications?
- In the past 12 months, have you used any tobacco or nicotine products?
- Are you currently working now?
- In the past 12 months, have you applied for or received any form of disability benefits?
From here, we’ll generally have a pretty good idea about what “type” of life insurance policy you may or may not be eligible for as well as what “price” you may be expected to pay.
Now the main takeaway…
Should be that even though you been diagnosed with Tetralogy of Fallot, in “theory” you should still be eligible for a traditional term or whole life insurance policy.
Now are you going to qualify for a Preferred Plus rate class?
No, you’re not! But that’s why insurance companies offer over 14 different rate classes for individuals to be able to qualify for so… Just because you can’t qualify for the “best” rate class doesn’t mean that you won’t be able to qualify for an affordable option either!
The real trick will be too…
Find a life insurance agent who not only understands your condition, but also has access to dozens of different life insurance companies so that when it comes time to helping you find the best life insurance policy that you can qualify for, you’ll have dozens of options to choose from.
And that’s just what we do here at TermLife2Go!
Here at TermLife2Go, we have choose to remain an independent life insurance brokerage that is able to work with dozens of different life insurance companies so that when it comes time to working with a more “challenging” application, we’re going to have plenty of options to choose from!
So, what are you waiting for? Give us a call today or visit our Term Life Insurance Quotes page and see what we can do for you!
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