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Qualifying for Life Insurance with Coarctation of the Aorta.

When it comes to helping folks who have been diagnosed with coarctation of the aorta, what we need to do right away is be sure that we’re actually talking about the specific condition defined as the coarctation of the aorta, and not talking about someone who has simply been diagnosed with atherosclerosis of the aorta.

Because you see…

Both coarctation of the aorta and atherosclerosis of the aorta typically cause someone to suffer the same fate:

“A “narrowing” of the aorta!”

The main difference is that when we talk about a “coarctation of the aorta” we’re talking about a congenital birth defect that may or may not occur with other heart defects vs a heart condition which can develop in anyone as they grows older.

About Coarctation of the Aorta.

Coarctation of the aorta is congenital birth defect that causes the narrowing of the aorta.  When this occurs, the heart is forced to pump harder in order to push blood through the narrow portion of ones’ aorta.

Depending on the severity of the condition, coarctation of the aorta can be diagnosed at birth.  Babies born with coarctation of the aorta may show signs of:

  • Pale skin.
  • Agitated demeanor.
  • Sweating.
  • Difficulty breathing.
  • And difficulty feeding.

The good news is that most individuals who are born with a coarctation of the aorta will not experience any symptoms at all.   But this does not mean that the insurance companies aren’t going to be worried about the fact that you’ve been diagnosed with a pre-existing condition such as coarctation of the aorta!

Because, in many cases…

As one begins to age, even those with “mild” cases of coarctation of the aorta may begin to experience:

  • Early onset hypertension.
  • An increased risk of suffering from a:
    • stroke.
    • an aneurysm.
    • or aortic rupture.
  • Headaches.
  • Muscle weakness.
  • Leg cramps.
  • Cold extremities.
  • Nosebleeds.
  • Angina.

Additionally, if left untreated, mild to moderate cases of aortic coarctation can potentially lead to heart failure which can cause an early death!

Treatment options.

Treatment options will vary depending on the severity of the coarctation as well as the age of the patient in question.  That being said however, the only real “cure” for treating a coarctation of the aorta is performing an angioplasty procedure which is designed to widen the aorta.

Coarctation of the aorta and life insurance.

As a general rule of thumb, what you’re going to find is that if you’ve been diagnosed with a coarctation of the aorta, but haven’t required any treatment and aren’t suffering from any symptoms, “theoretically”, you should be eligible for a “non-rated” life insurance policy which means that you may be eligible to receive up to a Preferred rate!

However…

If you been diagnosed with a coarctation of the aorta and have had to receive an angioplasty procedure to correct it, or you’re currently experiencing symptoms common to those suffering from a coarctation of the aorta, there will still be a pretty good chance that you may still be eligible for a traditional term or whole life insurance policy.

Only now…

You’re probably not going to be eligible for a Preferred rate and will likely have to settle for a Table Rate.

What is a Table Rate?

A Table Rate is a rate class that falls just below a Standard or Normal rate and is usually reserved for those applicants who are deemed a “higher” risk for life insurance.  In total, there are 10 total Table Rates with Table A being the best (least expensive) and Table J being the worst or (most expensive).

Now when it comes to nailing down exactly what Table Rate you may or may not qualify for if you’ve been diagnosed with a moderate to severe case of coarctation of the aorta, what we’re generally going to find is that most life insurance underwriters are going to ask you a series of questions about your coarctation as well as “potentially” request medical records from your doctor.

 Common questions you’ll likely be asked about your coarctation of the aorta may include:

  • How old are you?
  • What is your current height and weight?
  • When were you first diagnosed with coarctation of the aorta?
  • Have you been diagnosed with any other congenital heart conditions or heart disease?
  • Have you ever suffered from a heart attack or stroke?
  • Have you been diagnosed with hypertension?
  • Have you had your coarctation surgically treated?
  • Are you currently experiencing any symptoms associated with your coarctation?
  • In the past 12 months, have you used any tobacco or nicotine products?
  • Are you currently working?
  • 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 will or won’t be eligible for as well as what rate you may be expected to pay.

Additionally…

Here at TermLife2Go, we’ll also have a pretty good idea about these things a well in addition to “which” life insurance company we feel might offer you the best opportunity for success.

If your condition is more severe you may need to consider getting a simplified issue or guaranteed issue life insurance policy from among the best final expense or burial insurance companies.

You see…

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 so that when we’re confronted with a more “challenging” life insurance application, we don’t need to simply rely on just one or two different life insurance companies.

Instead, we’re able to “shop” your life insurance application to dozens of different life insurance companies and make them compete for your business!  So, what are you waiting for?  Give us a call today and see what we can do for you!

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

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