If you have a heart murmur or heart palpitations and need life insurance, we’ll help you secure the life insurance coverage you need.
Life insurance with heart disease – We’ll show you how to get insured with a heart murmur.
Heart Murmur Overview
A heart murmur is a sound heard during a heartbeat. While most heart murmurs are harmless and do not require any medical treatment, there are some types of heart murmurs that will require follow-up with your physician.
Heart Murmur Life Insurance Underwriting
At LifeInsuranceAdvisors, our impaired risk life insurance expertise and knowledge about heart disease related conditions such as heart murmurs will help you find the coverage you need.
Heart Murmur Life Insurance Underwriting Specifics
For many people with heart murmurs, they never experience any problems, and may have only learned they had a heart murmur after a routine heart check with a stethoscope.
Heart murmurs are classified as either Functional Heart Murmurs or Organic Heart Murmurs and fall into our Heart Disease Life Insurance Underwriting category.
Functional Heart Murmurs – Functional heart murmurs are also called innocent heart murmurs and are the least concern to life insurance underwriters.
Some types of functional heart murmurs are Physiologic heart murmurs, cardio – respiratory heart murmurs, and aortic sclerosis heart murmurs.
As long as there are no additional underlying heart problems, we have a number of life insurance companies that will consider you for life insurance coverage without charging you additional money.
Organic Heart Murmurs – Organic heart murmurs are caused by heart disease or are congenital heart problems.
Some types of organic heart murmurs are:
- Aortic Insufficiency
- Aortic Stenosis
- Bicuspid Aortic Valve problems
- Mitral Insufficiency
- Mitral Stenosis
- Mitral Valve Prolapse
- Pulmonary Insufficiency
- Pulminary Stenosis
If you have one of the above types of organic heart murmurs, we need to speak. We have a number of impaired risk life insurance companies available that we can work with to help you get the life insurance you need.
Life insurance underwriters also look for other cardiovascular conditions such as coronary artery disease, unstable angina, as well as any other heart disease issues.
What to Expect from Heart Murmur Life Insurance Underwriting
Functional heart murmurs are fairly easy to work with provided you have no other heart issues.
For organic heart murmurs, life insurance is available in most cases but we need to discuss your heart history.
Every heart murmur life insurance case we look at is unique. The best way for us to provide you with accurate life insurance quotes is to have you complete our questionnaire and then we will follow up with a phone call to you.