Life insurance after an aneurysm

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

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.

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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:

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.

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Name	Product	Issue age	Minimum Coverage	Maximum Coverage	Term Lengths	Medical Exam Required
Policygenius - Life Insurance		18 - 85 years old	$50,000	$10,000,000	10, 15, 20, 25, 30 years	Depends on provider and policy	Compare 12+ top insurers side-by-side to get the best possible deal, and shop return of premium policies online.	Go to site More Info	Compare	loading Fetching your data...
Sproutt		18 - 60 years old	$50,000	$4,000,000	5, 10, 15, 20, 25 and 30 years	No	Compare 40+ insurers and apply online to get the lowest possible price — no medical exam required.	Go to site More Info	Compare	loading Fetching your data...
Everyday Life		18 - 70	$100,000	$10,000,000	10, 15, 20, 25, 30, 35 and 40 years.	No	Ladder multiple life insurance policies to save on the coverage you need for all your debts.	Go to site More Info	Compare	loading Fetching your data...
JRC Life Insurance		18 - 85 years old	$5,000	$50,000,000	10, 15, 20, 25, 30, 35, 40 years to lifetime/age 121	May be required	Compare policies up to $10 million from 45+ top insurance companies with the click of a button.	Go to site More Info	Compare	loading Fetching your data...
Nationwide life insurance		18 - 80 years old	$25,000	$10,000,000	10, 15, 20 and 30 years	Yes	Get term, whole, universal or no-exam life insurance with up to $1 million in coverage.	Go to site More Info	Compare	loading Fetching your data...
Haven Life		20 - 64 years old	$250,000	$3,000,000	10, 15, 20, 25 or 30 years available to those aged 20 - 49 years old. 10, 15, or 20 years available to those aged 50 - 64 years old.	No exams for some applicants	Fill out a quick online application and get approval in minutes with up to $3 million in coverage.	Go to site More Info	Compare	loading Fetching your data...
Quotacy		18 - 80 years old	$50,000	$65,000,000	10, 15, 20, 30 and 40 years	Depends on provider and policy	Score the lowest rate on life insurance by comparing no obligation quotes from 14+ companies online. No contact info, no spamming.	Go to site More Info	Compare	loading Fetching your data...

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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.