Qualifying for Life Insurance with Patent Ductus Arteriosus.

Do you want to get life insurance with patent ductus arteriosus but aren’t sure where to start? Guess what? You’re right where you should be! We’ll give you the information you need to make an informed decision about life insurance with patent ductus arteriosus

About Patent Ductus Arteriosus

This is a problem the occurs at the time of development. Here’s what happens:

When a baby is developing, there’s an opening in the heart known as the ductus arteriosus. In normal development, this “opening” closes naturally sometime soon after being born. However, in rare instances it does not. When it doesn’t, you have Patent Ductus Arteriosus.

Patent Ductus Arteriosus is usually diagnosed as a baby. PDA is treated by:

  • Medication (only works in babies)
  • Open-heart surgery
  • Sometimes it heals on its own

Now, if you had Patent Ductus Arteriosus as a baby…

Then your chances of getting life insurance are usually pretty good.  In fact, if you are generally healthy and don’t have anything else that really stands out as a big, red flag to life insurance companies, then you can get term or whole life insurance with no problem.

There are some life insurance companies that might even be willing to give you a preferred rate!

Again – this is contingent on your overall health and lifestyle.

If you want to insure a baby with PDA…

The first thing you should do is get your child treated. We suggest you wait until he/she has fully recovered from PDA to apply for a life insurance policy. This will help you to get the best life insurance coverage for your child.

Adults with Patent Ductus Arteriosus

Because PDA is almost always treated in babies, it is rare – though not impossible – to find an adult with PDA.

If you are an adult with PDA…

If you have never had surgery to fix PDA, then you will be at risk for things like:

  • Bacterial endocarditis
  • Infection in the heart (lining, valves or arteries)
  • Cardiomyopathy
  • Congestive heart failure

Any time you have a problem with your heart it’s a pretty big deal. Life insurance companies will definitely pause before underwriting a life insurance policy for anyone with a heart problem – and that definitely includes people with adult Patent Ductus Arteriosus.
Unfortunately, you will automatically be declined for life insurance.


You can still apply for guaranteed issue life insurance. Like the name suggests – you’ll be able to get life insurance no matter what! This is the only option for adults with untreated PDA. It may not be as much coverage as term or whole life insurance, but it’s still protection your family needs.

If you have had surgery for PDA…

Even as an adult, then it is still possible to qualify for a term or whole life insurance policy. Of course, there are still some things life insurance companies will want to know about your PDA.
Life insurance companies will want to make sure:

  • 12 months have passed since your surgery
  • You are totally healthy post-surgery
  • PDA has been fixed

If you can say “Yes” to all of these things, then you are on your way to getting a life insurance policy!

If not, remember – you can get guaranteed issue life insurance.


This is something very important: not all life insurance companies will underwrite a policy for a person who has recovered from PDA.


Even if two life insurance companies both underwrite a policy for someone who has recovered fully from PDA, one is surely to be better than the other.


It’s not as easy as just telling you the names of life insurance companies that are good for people post-PDA.

That’s because…

Life insurance companies are interested in more than just your history of PDA. They want to know things like:

  • Blood Pressure
  • Other major illnesses
  • Other past surgeries
  • Sugar levels
  • Weight/height
  • If you smoke
  • If you have any addictions
  • If you have depression

These are all different factors that life insurance underwriters take into consideration before issuing you a policy. And each life insurance company weighs these different pre-existing medical conditions…differently!

That’s why…

It can be pretty confusing to know if you’ve really found a great life insurance policy for your needs or not! Even if you find a good one, don’t you want great life insurance coverage? After all, your family and loved ones deserve it!

The best way to find a life insurance policy is…

To use the help of life insurance experts who are not biased towards one or even five life insurance companies.


We work with dozens of life insurance companies around the United States. This puts us in a great position to find just about every life insurance seeker a really great policy within their price range. We have worked with individuals with a variety of medical or personal issues – and we help them get life insurance coverage!

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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