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Getting life insurance after an aneurysm
How to find coverage if you've had an aneurysm.
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
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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. -
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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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