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Applying for Life Insurance with Mitral Valve Prolapse

Researcher & Writer
July 27, 2017

Mitral valve prolapse is one of those pre-existing medical conditions which will often be referred to by many names.  The good news is that with regards to applying for life insurance, it’s not going to matter whether or not you doctor refers to your mitral valve prolapse or as:

  • Barlow’s syndrome.
  • Click-murmur syndrome,
  • Billowing mitral leaflet,
  • Or floppy valve syndrome,

They’re all going to be treated them all the same.


Let’s just take a moment to review exactly what mitral valve prolapse is, so that we can gain a better understanding of how and why an insurance company will underwrite your life insurance application the way they do.

Mitral Valve Prolapse (MVP).

Mitral valve prolapse is a valvular heart disease that is characterized by an abnormally thick mitral valve leaflet which creates displacement of the valve during systole.

It is also one of the most common heart valve abnormalities found worldwide and is believed to affect approximately 5-10% of the world’s population.  Fortunately, the majority of those who suffer from mitral valve prolapse will not experience any type of symptoms and will typically not require any treatment.

Causes of mitral valve prolapse.

While the exact cause of MVP is not fully known, most individuals who suffer from MVP will generally be born with the condition.  That being said however, studies do seem to indicate that those who are born with a connective tissue disorder such as Marfan syndrome, may experience an increased risk for having MVP.

Symptoms associated with mitral valve prolapse.

While the majority of individual who have been diagnosed with MVP will typically not experience any symptoms of their condition, there are those with more “severe” cases that may experience:

  • Chest tightness.
  • Shortness of breath.
  • Dizziness or light headedness.
  • An abnormal heartbeat (arrhythmia).
  • Palpitations.
  • And murmurs.

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Treatment for mitral valve prolapse.

While for most, no treatment will be necessary, for some, medications and/or surgical procedures such as an artificial heart valve replacement may be required to help treat their MVP.

When applying for life Insurance with mitral valve prolapse.

When applying for life insurance, what you’re generally going to find is that the insurance carriers are going to be most interested in determining the “severity” of your mitral valve prolapse.

Are you one of those individuals who require little or no treatment?


Are you someone who may need to have your mitral valve prolapse surgically repaired?

In order to determine the severity of your condition, insurance companies will typically ask a series of questions about your MVP that will look something like this…

  • When were you first diagnosed with mitral valve prolapse?
  • Who diagnosed your condition? A general practitioner or a cardiologist?
  • Has your mitral valve prolapse require you to receive any kind of treatment?
  • Do you suffer from any symptoms related to your mitral valve prolapse?
  • Have you been diagnosed with any other heart related medical conditions?
  • Does your doctor anticipate you needing to receive any future treatments to care for you mitral valve prolapse?


Assuming that you are one of the many individual who will not require any treatment to care for your mitral valve prolapse and you are currently not experiencing any symptoms associated with your condition, chances are (assuming that you would otherwise qualify) you should still be eligible for a Preferred or Preferred Plus rate class despite your MVP diagnosis.

That being said however…

If your MVP has required you to receive surgery to repair your MVP or you anticipate needing surgery in the future to repair you MVP, chances are, your life insurance application is going to become much more complicated than one might originally imagine.

But that doesn’t mean…

That you won’t be eligible for a traditional term or whole life insurance policy.  It just means that you probably won’t qualify for a Preferred or Preferred Plus rate class.  It also means that, you’re definitely going to want to make sure that you “shop” your life insurance application around before you commit to any one life insurance company.

But don’t fret or get too excited…

When it comes to being approved for life insurance, there are a lot of factors that come into play.  Which is why it’s important to never get too upset or to excited about any one particular factor.

For example…

If you currently aren’t experiencing any issues with your MVP, it doesn’t necessarily mean that you may automatically qualify for a Preferred Plus rate class, factors such as your:

  • Height and weight.
  • Family medical history.
  • Driving record.
  • Travel history.
  • Etc, etc…

Could all play a role in disqualifying you from being eligible for a Preferred Plus rate class.


If you’ve required treatment for your MVP, and now no longer qualify for a Preferred Plus rate, that doesn’t mean that you would have qualified had you not received this treatment in the first place!

All it does mean is that now that your MVP has been repaired, you are now eligible for insurance whereby before you may not have been able to qualify!

The key for any MVP life insurance applicant…

Whether they have received treatment or not, is that when you do choose to apply for life insurance, be sure to try to look at all available options that are out there, or at the very minimum at least get review two or three different options!

Now we here at TermLife2Go…

Certainly, don’t work with every possible insurance company in the industry, after all, there are 100’s of them out there, but we do work with serval dozen who we feel represent to best of the best.

Which is why if you looking to be able to quickly and simultaneously “shop” dozens of life insurance companies prior to actually “applying” for coverage, we would certainly recommend that you give us a call ASAP.

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

You may also be interested in reading Best Final Expense and Burial Insurance Companies.

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We are a team of life insurance experts with the simple mission of helping you find the best coverage for your unique situation. We research, review, and rank life insurance companies to make that process easier.