With aortic stenosis, your aortic valve thickens and does not open properly. As a part of our heart condition underwriting, we are able to help you if you had congenital heart conditions, rheumatic fever or calcification of the aortic valve.
Can I Get Life Insurance with Aortic Stenosis?
The answer for most people is “Yes”.
Finding life insurance with heart disease conditions like Aortic Stenosis will require expert knowledge of this condition.
Stenosis life insurance underwriting is part of our heart disease life insurance underwriting section. The key to success is to work with an impaired risk life insurance expert…someone who understands your condition and knows which life insurance company will be best based on your specific heart issue.
Every life insurance company has its own set of underwriting requirements and not every life insurance company is the same.
What Should I Know About Stenosis Underwriting?
Aortic Stenosis is classified as one of the following categories:
- Trace or Trivial or Minimal Aortic Stenosis
- Mild Aortic Stenosis
- Moderate Aortic Stenosis
- Severe Aortic Stenosis
Your aortic stenosis calcification is determined by your valve pressure between your aorta and left ventricle. This is also called your Gradient and is determined via either an estimate using an echocardiogram or by a more accurate method of measuring using cardiac catheterization.
Your Gradient combined with the grade of any heart murmur, and any other heart conditions that may be present will determine if you have Trace, mild, moderate or severe aortic stenosis. Your medical records will indicate which class you have.
Your aortic stenosis classification combined with your current age, age at the time of diagnosis will determine what life insurance rate classes may be available to you.
What to Expect from Life Insurance with Aortic Stenosis
Trace Aortic Stenosis – For many people, standard life insurance rates will be available, especially if you are over age 60. For younger insureds, you may see a standard rate plus an additional table rating. Typically you would see a table 2 rating, or 50% increase over standard rates.
Mild Aortic Stenosis – If you are currently age 60 or older, it may be possible to get standard life insurance rates with some table shave programs, or a low table rating. A typical table rating for mild aortic stenosis would be a table 2 – table 3 range…50% – 75% markup over standard rates. For younger insureds, you may be looking at a table 3 to table 4 range..75% – 100% increase over standard life rates.
Moderate Aortic Stenosis – For age 60 and above, it may be possible to get a table 2 – table 3 range. For younger insureds, you may face a decline or a high table rating of table 4 or more.
Severe Aortic Stenosis – Severe aortic stenosis is a decline for the majority of life insurance cases but is worth a discussion with us to see what if any options exist.
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Keep in mind that there is never any pressure or obligation with our life insurance. We’ll provide you with the information you need in order to make an informed decision about your life insurance.