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If you’ve had an aneurysm in the past — or have an aneurysm that’s yet to be operated on — you can still qualify for a life insurance policy. But your insurer will scrutinize your case closely, and may charge you a higher rate.
Yes — you can get life insurance if you have or had an aneurysm. Your insurer will assess your case on an individual basis, and will want to know the following:
Yes. An operated or unoperated aneurysm is considered a preexisting condition, so it affects your life insurance rates.
The type of aneurysm comes into play, too. Abdominal aortic, cerebral, peripheral aortic and thoracic aortic aneurysms all carry different risks. Each have an effect on how much you’ll pay and whether or not you can obtain coverage.
Generally, an aneurysm will land you in a standard to substandard rating class. This means you can expect to pay a higher premium.
Yes. Smokers already pay double or triple the amount for life insurance as nonsmokers. And since smoking has a detrimental effect on the circulatory system, it’ll hike up your rates even more if you apply for coverage following an aneurysm.
Your aneurysm aside, your insurer will weigh up a range of factors when determining your rate and eligibility for coverage.
There are a few ways to go about purchasing a policy:
Yes. If you’d prefer to skip the medical exam, these are your policy options:
Getting life insurance with an aneurysm is possible, but be prepared to answer a string of questions about your condition – and pay a higher premim.
To get the lowest possible rate, enlist the help of a broker and compare life insurance companies on your own.
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