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Life Insurance with Cardiomyopathy

If you're in the market to buy life insurance with cardiomyopathy, you'll want to know that cardiomyopathy life insurance rates are as low as $24.89/mo or $298.68/yr. Factors that are considered when applying for life insurance with cardiomyopathy include age, occupation, smoking/alcohol habits, criminal history, health history, and more. Read for more about life insurance with cardiomyopathy.

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Ron Attias, a licensed insurance broker. He had no particular loyalty to any one insurance company, so he was able to shop all major insurance carriers. This means that you always get the BEST plan at the LOWEST price. Each plan can be customized to fit your specific healthcare...

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UPDATED: Sep 22, 2020

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Life insurance rates for both whole life and term life insurance are in direct proportion to the risk you pose to the carrier. The higher the risk, the more you’ll pay for it and vice versa; the lower the risk, the lower the price.

Cardiomyopathy affects one in every 500 people in the U.S. and can have a bearing in obtaining cardiomyopathy life insurance depending on your age, severity, and medication type and usage. If you have a heart condition, you may wonder whether you can get life insurance if you have heart problems. This post will discuss life insurance with cardiomyopathy and will go over the questions and prices you could receive if you are suffering from cardiomyopathy and seeking to get life insurance.

Life insurance with heart failure or a heart condition can be difficult, so to find affordable life insurance with cardiomyopathy, enter your ZIP code into our FREE online tool. Find life insurance quotes with cardiomyopathy now.

What Is Cardiomyopathy?

Finding life insurance with hypertrophic cardiomyopathy can seem daunting. Hypertrophic cardiomyopathy (HCM) is the name for diseases of the heart muscle. In most cases, the heart muscle becomes rigid or thick, which prevents the heart from pumping blood efficiently and maintaining electrical rhythm.

In some rare instances, the heart muscle is replaced with scar tissue. As the heart becomes weaker, other conditions may develop such as arrhythmia, heart valve problems, or heart failure.

The following video provides a quick synopsis of hypertrophic cardiomyopathy, one of the more common types of cardiomyopathy.

If you are experiencing these symptoms, we recommend reaching out to your healthcare provider for more information.

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What Are Life Insurance Companies Looking for When Insuring Individuals with Cardiomyopathy?

Each pre-existing condition entails a different set of questions one should be ready to explain. Because each health risk has a different effect on your mortality, the carrier uses different criteria to estimate your prices. For instance, having high blood pressure is a very different condition from having diabetes. Each medical impairment calls for distinctive rates.

If you’re looking for life insurance with cardiomyopathy, you will need to answer the following questions:

1. What is the Date of First Diagnosis?

As with all high-risk individuals, the date of the first diagnosis, along with age, is of primary interest to the underwriter. The longer you have had the condition, the better rates you could expect. With HCM, you could expect to be declined coverage if you are under the age of 30 years old.

2. What Symptoms Have You Experienced?

This is another question the underwriter uses to gauge the risk you pose to the life insurance company. Let’s start with the good news first: in those cases with bothersome shortness of breath or palpitations which medication can help, you will be offered coverage as long as other impairments such as smoking, being overweight, or diabetes aren’t present.

If, however, you experience chest pain, have a history of congestive heart failure, or even have a family history of cardiac death, you will be declined for coverage and may need to opt for guaranteed issue life insurance.

3. Has an Echocardiogram Been Done?

An echocardiogram (echo) is a test that uses high-frequency sound waves to look at your heart’s structure. The examination can reveal the size and shape of the heart and thickness and movement of the walls. If you have had such a test, the underwriter will want to review it further to see if there are any abnormalities.

Here is what the underwriter will be looking for: A valuable measurement taken from the echocardiogram is the septal-to-left ventricular posterior wall ratio.

If the ratio is over 1.3, hypertrophic cardiomyopathy is present. As long as the wall’s size is under 1.7 cm, you have a chance to obtain coverage. If, however, the size is wider than 1.7 cm, you will most likely be declined coverage.

4. Are You on Any Medications?

This is another obvious question and one that can be an instant declined or an indication of a less severe condition which can be useful for both you and the insurance company. Medication usage and type can reveal more about the severity of cardiomyopathy.

There are a few medications for those who suffer from cardiomyopathy, such as enzyme inhibitors which help with blood flow through widening or dilating a blood vessel, receptor blockers to help relax blood vessels, or diuretics to help with excess fluid by encouraging the production of urine.

Whichever medication you use, the underwriter is looking for control of the ailment without any complications. If your cardiologist decides to keep changing prescriptions or you are not taking them as prescribed, your application will be declined.

Note: Taking any antiarrhythmic medications, such as digoxin or amiodarone, to treat abnormal heart rhythms resulting from irregular electrical activity of the heart will be a decline.

5. Has Other Treatment Been Given?

There are many other approaches to treat cardiomyopathy besides prescriptions. If you have had any surgical procedures such as a pacemaker, ventricular assist device (VAD), or implantable cardioverter-defibrillator (ICD), you will not be offered traditional coverage and may need to opt for guaranteed issue life insurance. Cardiomyopathy is a severe condition and adding extra unknown variables such surgeries just increases risk the insurance carrier isn’t interested in taking.

What Other Questions Will the Underwriter Ask?

Truth be told, the life insurance underwriting process is a daunting one, which is why you should never attempt to do it by yourself. That said, below are a few more questions you will be required to answer:

  • Current age
  • Gender
  • State of residence
  • Height and weight
  • Income and liabilities
  • Occupation
  • High-risk hobbies (if any)
  • Current and past health history
  • Family history
  • Foreign travel
  • Smoking habits
  • Alcohol habits
  • Driving history
  • Criminal history
  • Prescription usage

Conditions That Will Get You Declined Life Insurance with Cardiomyopathy

You might choose to apply by yourself or work with an independent agent who advises you to apply to every company under the sun and see who comes up with the best rate (which is a horrible idea). All kidding aside, if you have the following medical issues, avoid applying for coverage because your application will be denied.

As a broker, I would rather present all the facts upfront instead of using the snake oil salesmen approach to get you to call us or get you to apply just to find out, eight weeks down the road, that you were declined.

Here are some, but not all, of the conditions that will get your application denied:

  • Under the age of 30
  • Had a surgical treatment such as a pacemaker
  • A family history of sudden cardiac death
  • Any history of arrhythmia or syncope
  • Septal or posterior wall over 2.1 cm
  • Any history of congestive heart failure

If you have questions about whether your condition will get your application denied, talk with your personal life insurance agent to find out your options.

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What Rate Class Can I Qualify for If I Have Cardiomyopathy?

This is the most critical question you may have, and I hate to disappoint you, but it depends. As noted above, cardiomyopathy isn’t the only condition which the underwriter will look into. Your age the other health risks and the treatment you are currently on for cardiomyopathy are some of the concerns.

However, I’ll leave you with a starting point. If the cardiomyopathy is your only condition and there are no treatments other than anti-hypertensive medication and no symptoms, you may qualify a table rating based on your age at the time of application.

  • Age 30–39: Table G (200% higher than standard)
  • Age 40–49: Table E (125% higher than standard)
  • Age 50–59: Table D (100% higher than standard)
  • Age 60 and over: Table C (75% higher than standard)

Read on to see some sample monthly rates.

Cardiomyopathy Life Insurance Sample Monthly Rates

40-Year-Old Male Nonsmoker on a 20-Year Term

 Health Class$100,000$250,000$500,000
 Table E$32.54$58.46$104.91

40-Year-Old Female Nonsmoker on a 20-Year Term

 Health Class$100,000$250,000$500,000
 Table E$24.89$46.47$83.75

50-Year-Old Male Nonsmoker on a 20-Year Term

 Health Class$100,000$250,000$500,000
 Table D$64.18$122.81$234.05

50-Year-Old Female Nonsmoker on a 20-Year Term

 Health Class$100,000$250,000$500,000
 Table D$49.39$92.36$165.65

60-Year-Old Male Nonsmoker on a 20-Year Term

 Health Class$100,000$250,000$500,000
 Table C$139.10$283.80$557.49

60-Year-Old Female Nonsmoker on a 20-Year Term

 Health Class$100,000$250,000$500,000
 Table C$97.26$197.96$387.03

Because finding a life insurance provider that fits your needs is difficult, especially with a heart condition, we recommend comparing multiple life insurance companies before making a decision.

Bottom Line

It seems like we can all solve a problem we face after a Google search. Anytime we need information on how to do things ourselves, we turn to our beloved computer and type the keyword to which we seek an answer.

However, when it comes to shopping for life insurance with cardiomyopathy, you will need the help of a trustworthy broker, (which, by the way, costs you nothing).

You will know upfront, before applying, whether your policy can be issued and the approximate rates you can get. We work with more than 50 carriers and promise to help you choose the best company for your situation.

To help narrow this process down for you, enter your ZIP code into our FREE online tool to find affordable life insurance quotes in your area. Find out which life insurance company for cardiomyopathy is right for you.

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Frequently Asked Questions: Life Insurance with Cardiomyopathy

Now that you know how to find the best life insurance rates with cardiomyopathy, take a look at some common questions below to make sure you everything you need to.

#1 – Is cardiomyopathy a serious heart condition?

Yes, as cardiomyopathy makes it difficult for the heart to pump blood to the body, it can lead to heart failure if left untreated.

#2 – What is the most common cause of cardiomyopathy?

According to Mayo Clinic, the causes of cardiomyopathy are often unknown. Although sometimes it can be caused by either acquired or inherited conditions, like heart disease or drug/alcohol abuse.

#3 – Can you live a long life with cardiomyopathy?

With the proper treatments and care, you can live a long life with cardiomyopathy.

#4 – What is the survival rate for cardiomyopathy?

Depending on the type of cardiomyopathy, survival rates vary. However, with increasing survival rates for this disease, it is very common for people with cardiomyopathy to live a long life with correct treatments.

#5 – What is end-stage hypertrophic cardiomyopathy?

End-stage hypertrophic cardiomyopathy is the most serious complication of this type of cardiomyopathy. It often leads to heart failure and frequent heart transplants.

#6 – What is the life expectancy of someone with hypertrophic cardiomyopathy?

Generally, the annual mortality rate of adults with hypertrophic cardiomyopathy is 3 to 5 percent, while the rate for children and young adults is at least 6 percent. However, prognoses vary depending on genetic features involved.

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