Qualifying for Life Insurance with an Atrial Septal Defect.

Any time we find ourselves working with a client who has been diagnosed with pre-existing medical condition involving the heart, we here at TermLife2Go, always like to take our time and try to “fully” understand the “severity” of the diagnosed condition, so that we can get a pretty good idea about how an insurance underwriter might view their application later on should they chose to apply for life insurance.

And when it comes…

To those who have been diagnosed with an atrial septal defect, this is particularly important because these individuals can literally qualify for nearly every possible rate class available which is why it can be so difficult providing them with an initial life insurance quote to consider.

Atrial Septal Defect.

An atrial septal defect (ADS) is defined as a congenital heart defect that is located between the atria chambers of the heart which allows blood to flow freely between the two atrial chambers.

Within a “normal” heart, the atria are separated by the interatrial septum which acts as a dividing wall between the two atrial chambers, thus preventing blood to flow back and forth.

In many cases, small atrial septal defects will often “close” on their own during infancy or early childhood, however larger ADS’s or long lasting ADS’s can go on to damage ones’ heart and lungs.

Common symptoms of atrial septal defects may include:

  • None.
  • Swelling in the abdomen and lower extremities.
  • An irregular heart beat or arrhythmia.
  • A heart murmur.
  • Pulmonary hypertension and/or shortness of breath.
  • General malaise.
  • Fatigue.
  • Stroke.

Atrial septal defect treatments.

Treatments for an atrial septal defect will often be based on the age of the patient as well as the number and size of the defects involved.  There are no medications that can help cure an atrial septal defect, only surgery can actually repair a hole within the atrial camber.  Symptoms associated with atrial septal defects can however be treated with medications in an effort to actually avoid needing to have surgery.

Applying for life insurance with an atrial septal defect.

Knowing how much life insurance coverage that you’re looking for will be one of the most important factors in determining which “type” of life insurance policy might be right for you.

For example:

If you’re simply looking for a final expense or burial life insurance policy, it’s quite possible that a guaranteed issue or simplified issue life insurance policy, that won’t require you to take a medical exam or answer any health-related questions might be a good fit for you.

The main problem with these types of life insurance policies is that they will typically only provide about $25,000 dollars in coverage, and will contain a graded death benefit clause.

But you never know

For some folks, a guaranteed issue life insurance policy can make perfect sense as long as you fully understand the policy that you’re purchasing.

For those looking for more coverage however…
A guaranteed issue life insurance policy simply isn’t going to get it done.   This is why we’ll the want to turn our attention to a fully underwritten term or whole life insurance policy  which will require one to complete a medical exam and answer a series of health and lifestyle questions in order to be able to qualify for coverage.

Common questions you’ll likely be asked pertaining to your atrial septal defect:

In addition to your “normal” life insurance application questions such as:

  • Date of birth?
  • Current height and weight?
  • Are you a smoker?
  • Have you been diagnosed with any pre-existing medical conditions such as cancer, heart disease, stroke or diabetes?
  • Has any of your immediate family members (mother, father, brother or sister) ever been diagnosed with cancer, heart disease, stroke or diabetes?
  • Are you currently taking any prescription medications?
  • Do you have any issues with your driver’s license?
  • Do you actively participate in any dangerous hobbies?
  • Do you have any set plans to travel outside of the United States in the next 2 years?
  • Are you planning to travel to any potentially dangerous locations such as North Korea, Haiti, Syria or Iraq?
  • Are you currently working now?
  • During the past year, have you applied for or received any form of disability benefits?
  • Etc, etc..

Individuals who have been diagnosed with atrial septal defect will also be asked questions specifically regarding their pre-existing medical condition.

These questions will generally sound something like this:

  • When where you first diagnosed with your atrial septal defect?
  • Who diagnosed your atrial septal defect? A pediatrician, a general practitioner, or a cardiologist?
  • Has your atrial septal defect been surgically repaired?
  • Do you suffer from any symptoms associated with your atrial septal defect?
  • Do you have any other heart related pre-existing medical conditions?
  • When was the last time you had an EKG performed? What were the results?

At this point, the insurance companies and us here at TermLife2Go will generally have a pretty good idea about what “type” of life insurance policy you should be able to qualify for as well as what “rate class” you’ll most likely qualify for.

The good news is that…

If your atrial septal defect is a small one and you’re not really experiencing any symptoms, you should be eligible to qualify for a Preferred rate class when applying for coverage.

That being said however…

If you are experiencing complications due to your atrial septal defect, the severity of those symptoms could potentially lead you to being denied coverage for a traditional fully underwritten term or whole life insurance policy and may make a guaranteed issue life insurance policy your only option!

 But don’t fret…

Here at TermLife2Go, we’ve worked very hard to partner up with dozens of highly rated life insurance companies so that when we are confronted with even the most “challenging” application we’ll often be able to find coverage for them!

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


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