Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

How to get life insurance after an aneurysm

You can get coverage if you've had an aneurysm — but you may pay a higher premium.

Updated . What changed?

Fact checked

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.

Can I get life insurance if I had an aneurysm?

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:

  • When you found out about your aneurysm
  • How you found out about it
  • How long you’ve had the aneurysm
  • If your aneurysm has ruptured
  • Where it’s located
  • Its cause
  • If you’ve had an operation to treat the aneurysm
  • If you’ve had any ongoing symptoms since your aneurysm was treated
  • If you have any other medical conditions
  • If you’re taking any medications
  • If you smoke
  • If you see your doctor regularly

Our top pick: Quotacy

Score the lowest rate on life insurance by comparing no obligation quotes from 14+ companies online. No contact info, no spamming.

  • Get free online quotes in less than 2 minutes
  • No contact info required for quotes
  • Compare term, whole and burial insurance

Will having had an aneurysm affect my life insurance rates?

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.

Will smoking raise my rates?

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.

What other factors will my insurer consider?

Your aneurysm aside, your insurer will weigh up a range of factors when determining your rate and eligibility for coverage.

These include:

  • Age and gender
  • Heath history
  • Criminal record
  • Driving record
  • Height and weight
  • Lifestyle
  • Marital status
  • Alcohol use

Compare life insurance companies

Name Product Issue age Minimum Coverage Maximum Coverage Medical Exam Required
LadderLife™ Life Insurance
20 - 60 years old
$100,000
$8,000,000
No
Term life insurance with no policy fees and the freedom to cancel anytime. Simple application process that can get you approved for coverage instantly.
Policygenius
18 - 85 years old
$10,000
$10,000,000+
Depends on provider and policy
Compare affordable quotes from 12+ A-rated life insurance companies side-by-side.
Quotacy
18 - 80 years old
$50,000
$25,000,000
Depends on provider and policy
Get a quote within minutes from more than a dozen insurers.
Sproutt
18 - 100 years old
$50,000
$3,000,000
No
This life insurance broker combines technology and the human touch to match you with a policy tailored to your needs.
Fabric
25 - 60 years old
$100,000
$5,000,000
Depends on policy
Get affordable term life insurance with accelerated underwriting or no-exam coverage up to $1,000,000. Available in all states except CA, NY and MT.
loading

Compare up to 4 providers

How do I get life insurance following an aneurysm?

There are a few ways to go about purchasing a policy:

  • Through an agent. It helps to have an agent when you’re looking for life insurance with a pre-existing condition. Not only do they know the ins-and-outs of how your condition affects your rates, but they’ll have access to a range of insurers.
  • Through your work. If your employer offers group life insurance, this may be a good option. Not only is it generally cheaper than buying your own policy, you’re also more likely to get covered with a pre-existing condition.
  • By comparing insurers. You can apply with insurers directly —though it’s a good idea to compare rates from a bunch of carriers.

    Can I get a policy without a medical exam?

    Yes. If you’d prefer to skip the medical exam, these are your policy options:

    • Simplified issue life insurance. You can generally apply for a simplified life insurance policy over the phone or online. While you won’t undergo a medical exam, you’ll answer some questions about your medical history.
    • Guaranteed issue life insurance. If you’re looking to avoid all medical questions and exams, guaranteed issue life insurance — also known as guaranteed acceptance life insurance — is an option. The major downside of these policies is that they’re expensive and offer less coverage than a traditional life insurance policy.
    • Instant-approval term life insurance. There are a few fintech startups — like Bestow and Ethos — that offer term life insurance online with accelerated underwriting. You’ll have to answer some questions about your health and, depending on how you answer them, the insurer may still ask you to undergo a medical exam.

    Bottom line

    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.

    Ask an Expert

    You are about to post a question on finder.com:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

    Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
    Go to site