Getting life insurance after an aneurysm

How to find coverage if you've had an aneurysm.

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The good news is that you can find life insurance if you’ve had an aneurysm in the past or have an aneurysm that’s yet to be operated on. But like any insurance product, it’ll come down to your particular circumstances.

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Can I get life insurance if I had an aneurysm?

Yes, you could get life insurance if you have or had an aneurysm. However, your insurer will want to know:

  • 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

Other factors that will come into play are common underwriting questions, such as your:

  • Age
  • Drinking habits
  • Criminal history
  • Driving record
  • Gender
  • Height
  • Weight
  • Lifestyle
  • Marital status
  • Job duties

Compare life insurance providers

Name Product Issue Ages Coverage Range Medical Exam Required State Availability
18 - 85 years old
$10,000 to $10,000,000+
Depends on provider and policy
All 50 states
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21 - 54 years old
$50,000 to $1,000,000
Not available in Alaska or New York
Affordable 2-, 10- and 20-year term life insurance policies. Instant quotes and no medical exams.
20 to 60 years old
$100,000 to $8,000,000
Not available in New York
Term life insurance with no policy fees and the freedom to cancel anytime. Simple application process that can get you approved for coverage instantly.
18 - 64 years old
$100,000 to $3,000,000
All 50 states
Customized term life insurance policies up to $3 million, no medical exam for certain applicants.
25 - 60 years old
$100,000 to $5,000,000
Available in all states except for Montana
Offers term life insurance with accelerated underwriting. No-exam coverage up to $1,000,000 for those who qualify.

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Will having had an aneurysm affect my life insurance rates?

Yes, having either an operated or unoperated aneurysm affects your life insurance rates — though to what degree will depend on both the insurance and your condition. Generally, those with a condition like an aneurysm can expect to be rated between standard to substandard, or even uninsurable.

How do I get life insurance following an aneurysm?

Depending on the severity of your condition, you could take out a term life policy. Some options for where and how to obtain insurance include 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.
  • Your employer.
    If your workplace offers 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 since it’s a group policy.
  • An insurer.
    You can always do the work yourself and contact insurers directly to compare rates.
  • Can I get a policy without a medical exam?

    Yes. If you don’t want a medical exam, some options include:

    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 test, 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 insurance with accelerated underwriting

    Instant-approval policies are relatively new and use algorithms to determine your risk factors. 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. Compare your options before making a decision to ensure you’re getting the best life insurance option for you.

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