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Life Insurance Underwriting After An Aneurysm — What You Need To Know

by Scott G on December 26, 2012

Life Insurance After An Aneurysm Underwriting & Rates

What to expect when applying for life insurance after an aneurysm

 

Aneurysm-An abnormal dilation of the aorta of other artery associated with an increased risk of rupture or dissection.

 

Underwriting factors

 

•Precise diagnosis

•Location and size of aneurysm

•Treatment

•Presence or absence of symptoms

•Any CAD, HTN, CVD, COPD or renal disease

•Smoker or not

•Regular check-ups

 

Risk Categories

 

•Preferred Plus

•Preferred

•Standard Plus

•Standard

•Rated A-C 1

•Rated D-H 2

•Rated I & Above 3

•Decline

Possible range of underwriting results

 

•If the aneurysm was small, not requiring surgery rating class: Possible Mild Substandard rating class 1 or 2

•If the aneurysm was larger and or operated on, and it’s been 6 months or more since surgery: Possible Mild Substandard rating class 1 or 2

•Less than 6 months: Postpone

 

Brain Aneurysm

 

I have had a few clients receive the standard rating class with a previous brain aneurysm.  I wrote a post about it here.

 

Obtaining life insurance with an aneurysm is possible.  By knowing the factors that affect life insurance rates, you can shop with confidence and know what to expect.  You can use the instant quote engine on this site to shop for the best rates.  Also, keep in mind underwriting will also look at build, other health conditions and lifestyle.  If you fall into a lower rating category than you anticipate, that is OK, you can still buy a policy and ask the life insurance company to re-evaluate your rate once your health has improved.

Photo Credit: loudista

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