Brutally Honest Guide to Burial Insurance with Cardiomyopathy

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Are you seeking to get life insurance but wonder if your cardiomyopathy will cause you to be too high of a risk?

If this sounds like you, you can drastically increase your odds of securing a good plan by applying with the best life insurance company from the start of your search.

Though finding an affordable high-risk life insurance policy may seem complicated, you do not have to worry. We can guide you through this process.

In the following article, these are the key points you will learn about:

What are the Primary Points to Take Away From This Article?

Life insurance providers consider cardiomyopathy to be a high-risk condition. This means that a “flat extra” charge will likely be added to your premiums if you are approved for coverage. The cost can be an average of 25% or higher.

When life insurance companies evaluate high-risk conditions, such as heart disease, there is no blanket policy that they can offer. That being said, our knowledgeable agents know how to navigate the sea of life insurance companies to find one that serves best for your situation.

Our years of experience mean that we will find the life insurance company that is most suitable for your health condition.

Using the incorrect life insurance company has caused many people to have a hard time getting covered with an affordable premium.

Because of our background, we know precisely which life insurance companies to go to when seeking a life insurance plan with consideration of cardiomyopathy for you.

Now, let us cover some of the most commonly asked questions when applying for life insurance with cardiomyopathy.

Is It Possible to Secure Life Insurance with Cardiomyopathy?

To answer one of the most commonly asked questions when applying for any life insurance plan: absolutely. You will want to take care of and understand a few things before you start, but it is possible.

One of the first and most essential items a life insurance company will ask for is your most recent ECG results. This should be presented in an orderly fashion.

Family history, whether or not you smoke, your weight, and blood pressure are all determinants that life insurance companies will consider in your application process. But do not worry. It is possible to get life insurance coverage with cardiomyopathy.

Cardiomyopathy, what is it?

Cardiomyopathy is a condition that causes your heart to have a more challenging time pumping blood to the remainder of your body because it has become enlarged or thicker. This means that your heart has a more difficult time keeping a regular electric rhythm.

Cardiomyopathy can impair the heart and lead to arrhythmias, congestive heart failure, heart valve problems, or other conditions over time.

What Causes Cardiomyopathy?

In children, the cause of the cardiomyopathy is typically unknown. Sometimes this is the case with adults as well. Occasionally, the condition is inherited. Otherwise, it is the result of other health conditions.

Though not an exhaustive list, here are several of the ailments that can lead to cardiomyopathy:

  • Long-term alcohol abuse
  • Long-term drug abuse, specifically stimulants
  • Long-term high blood pressure
  • Being obese
  • Other heart conditions

Are There Different Types of Cardiomyopathy and What Are They?

The most common varieties of cardiomyopathy include:

  • Arrhythmogenic right ventricular dysplasia (ARVD)
  • Dilated cardiomyopathy (DCM)
  • Hypertrophic cardiomyopathy (HCM)
  • Restrictive cardiomyopathy (RCM)
  • Transthyretin amyloid cardiomyopathy (ATTR-CM)
  • Unclassified cardiomyopathy (this includes “broken-heart syndrome”)

Medications Commonly Used to Treat Cardiomyopathy

The most prescribed medications are:

  • Angiotensin-converting enzyme (ACE) inhibitors
  • Angiotensin II receptor blockers
  • Beta-blockers
  • Blood-thinners
  • Digoxin (or Digitalis)
  • Diuretics

Considering that cardiomyopathy is sometimes fatal, it is understandable that an underwriter would want to discover as much as they can about your heart disease.

When determining your life insurance classification, which then, in turn, determines if you do get your preferred rates, all of these separate details are considered.

How to Get Life Insurance with Cardiomyopathy

All cases are unique when it comes to heart disease. It is because of this that we will need to know the answers to these questions to ensure that you receive the most desirable rates possible:

  • When did you receive your first diagnosis?
  • Does your medical history include fainting or dizziness, palpitations, shortness of breath, or angina?
  • What did your last ECG report contain?
  • What medications, if any, are you currently taking?
  • What surgeries have you had, if any: heart surgery, pacemaker, or defibrillator procedures?
  • How often have you smoked, if at all, in the last three years?
  • Do you have any other additional health conditions?

We may get the most accurate rates, it will help if you are as detailed as possible about your health history. Since we can work with over 60 life insurance companies, we can most certainly find the best possible rates for you.

None of these companies receive preferential treatment. Whichever company presents the best option for your situation is the one that we will send your way.

The only way we can confirm that it is the best policy for you is to know that we have received the most unbiased, detailed information from you. Underwriters will be able to confirm your information after combing through your medical records.

What Should be Expected When Getting Life Insurance with Cardiomyopathy?

It is not impossible to get a “standard” health classification with a cardiomyopathy diagnosis in your medical history, but it is difficult.

To be qualified for this, you must have completely recovered from your cardiomyopathy or have been stable for at least six months, have a normal ECG, have no other severe health conditions, and have no lifestyle factors that could lead to another occurrence of cardiomyopathy.

If you meet the above requirements, you are more likely to receive a “Table 2” policy offer. We can help explain this if you need us to, call us.

If you do not satisfy those qualifications, your coverage will depend on your situation. Unfortunately, as the severity of your condition increases, so do your rates.

But life insurance is not your only option. Another route to take is a guaranteed life insurance plan if the available coverage is unaffordable for you.

No health information will be required to approve one of these plans, but you will get less coverage, and it will not go into effect until after 24 months. If the unfortunate happens during those two years, your premiums plus 10% will be returned.

With companies like Gerber Life Insurance and AIG can insure you for up to $35,000, so as an alternative to a pricier life insurance plan, these are ones to consider.

Where to Go to Secure the Best Rates for Life Insurance with Cardiomyopathy

With the expertise we offer, you will be comforted knowing that you will receive the tailored experience that your condition deserves. It would help if you did not have to find a policy on your own.

What are the Next Steps to Take?

We can help you purchase your life insurance. There are several different ways to contact us, so that we may start that process:

  • Online
  • Call us at 888-810-9725
  • Fill out a physical application and send it in through the mail
About Al Kushner
Al Kushner
He is a recognized financial educator, best-selling author, speaker, underwriting specialist and the founder & CEO of Superior Mutual, an independent insurance agency. He has helped families and individuals preserve, protect, and pass on a legacy since 1986. His mission is helping hard working seniors keep more of what they have worked a lifetime to save.
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