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Life Insurance After a Heart Valve Replacement

Researcher & Writer
July 24, 2017

Every now and then we encounter a pre-existing medical condition which seems to defy all common sense when it comes to life insurance.

After all, you would think that someone who actually had open heart surgery performed on them to surgically remove a defective heart valve would certainly be disqualified from being able to qualifying for a traditional term or whole life insurance policy.

But the truth is, there not!

You see, there are some pre-existing medical conditions where, if the price is right, some life insurance companies will be willing to take chance on those who they may “feel” represent an “acceptable” risk.  Particularly if this pre-existing medical condition is one that will typically have a positive long term prognosis.

Which is exactly…

What several life insurance companies have decided when it comes to insuring folks who have received an artificial heart valve!

Now are you going to qualify for a Preferred Plus rate class?

No way!  But that doesn’t mean that you won’t be able to qualify for a policy that can afford.

Does this also mean that all artificial heart valve applicants will be approved?

Absolutely not, in fact, many artificial heart valve applicants will not be eligible for a traditional term or whole life insurance policy for a variety of reasons.  You can be denied based on:

  • The cause of your valvular disease.
  • Any number of other pre-existing conditions which could exacerbate your valvular disease.
  • As well as how well you are recovering from having your artificial heart valve surgery.

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Artificial Heart Valve.

An artificial heart valve is a “man-made” medical device that is implanted within the heart of a patient who is suffering from valvular heart disease.

Artificial heart valve surgery will require that open-heart surgery first be performed so that the defective natural valve can be replaced by an artificial valve.

The main causes of heart valve diseases are:

  • Congenital heart disease.
  • Previous bouts of rheumatic fever.
  • Cardiomyopathy.
  • Previous heart attacks.
  • Age.
  • Previous exposure to endocarditis.

So... the natural question becomes…

What has caused your heart valve(s) to go bad?

Knowing the answer to this question will go a long way in determining whether or not you will be eligible for a traditional life insurance policy, and if so, at what price.

Additionally, once the insurance company has been able to determine the cause behind why you’ve required an artificial heart valve, the next thing that they’ll want to know is:

“How well are you doing now that you have your new heart valve in place?”

To discover the answers to these questions and more, insurance companies are going to:

  • Have you complete a medical exam which will likely require an EKG.
  • Order a prescription database check so that they can see what medications you are taking.
  • Review all of your pertinent medical records from your doctors.
  • And ask you a series of questions that are designed to learn more about your condition.

Common questions you’ll likely be asked about your valvular disease?

  • When were you first diagnosed with valvular disease?
  • Who diagnosed your condition? A general practitioner or a cardiologist?
  • Has the root cause of your valvular disease been determined?
  • When did you receive your artificial heart valve replacement?
  • Which heart valve was replaced?
  • Do you have any symptoms of heart disease?
  • Have you ever suffered from a heart attack?
  • Has any of your immediate family members ever suffered from a heart attack?
  • In the past 12 months have you used any tobacco or nicotine products?
  • Have you been diagnosed with any other pre-existing medical conditions?
  • What medications are you currently taking?
  • In the past 2 years have you been hospitalized for any reasons?
  • When was the last time you had an EKG performed? What were the results?
  • When was the last time that you had a heart stress test performed? 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?

From here…

The insurance companies will 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 “rate” class you may be able to qualify for as well.  Here at TermLife2Go, we’ll also have a pretty good idea as well.

What you should expect…

What we’ve come to expect when working with folks who have had an artificial heart valve surgery is that as long as everything appears to be in good working condition, and you are otherwise healthy, you should be able to qualify for what is considered a “table rated” insurance rate class.

Table ratings, are rate classes rated below a Standard or Normal life insurance rating which means that you’ll ultimately end up paying more for your life insurance coverage than someone who hasn’t had an artificial heart valve replacement.

But hey!...

Let’s face it, you’re applying for life insurance after you’ve had open heart surgery!

So, is it really unreasonable to expect to have to pay a bit more for your insurance?

The trick now is to…

Find the best life insurance company out there that offers the best rates for those qualifying for a “Table Rated” life insurance policy.

You might also need to consider either simplified issue life insurance policies or guaranteed issue life insurance from among the Best Final Expense and Burial Insurance Companies.

The good news is that this is something that we do here at TermLife2Go.  In fact, it’s because of cases just like these that we’ve worked so hard to develop relationships with dozens of highly rated life insurance companies so that when we are presented with a more “challenging” life insurance application that those from artificial heart valve applicants, we don’t have to simply rely on just one or two different life insurance companies, we can “shop” your life insurance application to dozens of different insurance companies and let them compete for your business!

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

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