If the first time you ever heard of a bundle branch block was during an electrocardiogram, you are not alone.
Finding life insurance with heart disease and conditions like bundle branch blocks is easy with our service.
What is a Bundle Branch Block?
Your heart sends out electrical signals, telling your heart muscle to contract. If your heart does not receive the signal as it should, it may be signs of a bundle branch block.
Bundle branch blocks are designated as either right or left bundle branch blocks.
In addition to Left or Right, your bundle branch block may be considered to be a complete bundle branch block or an incomplete bundle branch block.
How Do Bundle Branch Blocks Affect Life Insurance Underwriting?
While each person’s medical history is uniquely different, the following general rules apply.
Right Bundle Branch Block
A Complete Right Bundle Branch Block is a common EKG heart irregularity. From a life insurance underwriting standpoint, a “complete right bundle branch block” is a non-issue for life insurance underwriters as long as it wasn’t just discovered on your paramed exam EKG.
An Incomplete Right Bundle Branch Block is also a common EKG heart abnormality and is a non-issue for life insurance underwriters.
Left Bundle Branch Block
Left bundle branch blocks may present some problems from a life insurance underwriting standpoint. The reasons why are:
A left bundle branch block may interfere with EKG readings to the extent where it may hide other heart problems.
More importantly, a left bundle branch block may or may not be an indicator of cardiomyopathy, coronary artery disease, or Left Ventricular Hypertrophy.
If you are aware of the left bundle branch block and have had a complete cardiac workup, it may be possible to obtain life insurance with no additional table rating.
Otherwise, you may be looking at standard life insurance rates plus an additional 50% – 100% extra.
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If there is an underlying heart problem, we can revisit multiple life insurance companies once we know exactly what your heart issue is.