Qualifying for Life Insurance with Idiopathic Hypertrophic Sub-Aortic Stenosis (IHSS).

Do you want to get life insurance but have a health problem? Then you have come to the right place. We here at TermLife2Go specialize in helping people with all kinds of pre-existing medical conditions, rare or common, qualify for life insurance. So, if you’re looking to qualify for a great life insurance policy after being diagnosed with idiopathic hypertrophic sub-aortic stenosis, then keep on reading!

About Idiopathic Hypertrophic Sub-Aortic Stenosis.

Idiopathic hypertrophic sub-aortic stenosis or IHSS for short, is a type of myocardial hypertrophy and is usually more commonly referred to as hypertrophic cardiomyopathy.

Other names you may hear people refer to IHSS as:

  • Hypertrophic nonobstructive or hypertrophic obstructive cardiomyopathy
  • Asymmetric septal hypertrophy

About the disease.

The heart muscle cells get bigger. While you may have always thought having a big heart is a compliment, it’s actually quite dangerous. In this case, the enlarged heart muscle cells force the ventricle walls to get thicker. As a result, it’s not as easy for the blood to flow in and out. It can lead to obstructive hypertrophic cardiomyopathy – meaning, the ventricle path has something in the way: its own wall.

What can happen?

Hypertrophic cardiomyopathy can actually lead to a heart attack, especially in younger people.

Because of this…

People who are under 40 years old and have IHSS will generally be automatically declined a traditionally fully underwritten term or whole life insurance policy. The chances of a premature death are simply too much for most (if not all life insurance companies) to insure with a term or whole life insurance policy.

If you are under 40…

You can still get a life insurance policy – just not a term or whole life insurance policy. You will have to apply for a guaranteed issue life insurance policy.

What’s that?

As the name suggests, anyone and everyone will qualify for a guaranteed issue life insurance policy. That means if you have IHSS and don’t think you are going to qualify for any kind of life insurance – think again!  Unfortunately, guaranteed issue life insurance policies will have their limitations which will include low policy limits and a graded death benefit which is why you need to be very careful and fully understand your policy before you decide to purchase it.

For more information about guaranteed issue life insurance policies, we would recommend that you give us a call directly so that we can fully explain both the benefits and the disadvantages of choosing such a policy type.

Now if you are over 40…

Then you could still qualify for a term or whole life insurance policy if you have no symptoms, and haven’t for some time. If this describes your situation, then you could get a Table Rating between D-J.

What are Table Rates?

There’s Preferred Plus, Preferred, Standard Plus, and Standard, then there are your Table Rates. The highest in the Table Rate category is A – you won’t be eligible for this even if you have no symptoms. In fact, even B and C are off limits. But, individuals who have been diagnosed with IHSS over the age of 40 could “potentially” qualify for a Table rate of D-J.

Your overall health and some other things will determine which rate you get.

Other factors such as if you are obese, have high blood pressure, etc will determine which rate of D-J you will get. The healthier you are, the better rate you’ll get.

If other factors disqualify you…

Then you can also apply for a guaranteed issue life insurance policy. Just because IHSS doesn’t disqualify you, doesn’t mean other health problems won’t. You have to remember there are a lot of things that go into determining life insurance eligibility – even things you might not realize are “health issues” (such as blood pressure, cholesterol and weight).

The truth is…

Some life insurance companies might not underwrite a term or whole life insurance policy, but others might. Or, one life insurance company might be ready to underwrite you for a Table Rate D, but another might see you as a J.

Of course you want the best…

You are looking for the most life insurance coverage at the most affordable rate, right? If so, then you should enlist the help of experts.

TermLife2Go is here!

We can help you to find a life insurance company that will offer you the best rate with your condition. While other life insurance representatives will have one or two life insurance companies to work with, TermLife2Go has dozens! This puts us in a much better position to find you a really great life insurance policy. We understand the importance of getting great coverage at a fair price – and we’ll set out to do that for you.

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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