Life Insurance with Abdominal Aneurysm

Is affordable life insurance with abdominal aneurysm available?

When researching options for life insurance with abdominal aneurysm it is important to know where to look.

This article will provide you with information on how to find the most affordable life insurance with abdominal aneurysm in the marketplace. It will also attempt to give you an idea how life insurance underwriters view the risk of an abdominal aneurysm.

The absolute number one way to find the most affordable company in the industry for  individuals with an abdominal  aneurysm history is to find companies that specialize in this particular type of cardiovascular risk.

In order to find the companies that underwrite this particular risk the best, you must work with an agent who is independent and represents multiple companies.

In addition, your agent should have many years of experience working in the special risk life insurance arena. Being an expert in the special risk marketplace takes years of developing relationships with life insurance underwriters. A special risk agent will know the right questions to ask his prospect and know how to sell the case to the underwriter for the best offer.

Fortunately, you have landed on this page. We are experts at handling special risk life insurance.

What does the underwriter look for when evaluating abdominal aneurysm?

The aorta is the largest artery in the body. It carries oxygenated blood from the heart to the systemic circulation. The abdominal aorta extends from the diaphragm to the two iliac arteries, which go to the legs.

Life insurance underwriters are primarily concerned with the width of the aorta. Anything outside of the normal width of the aorta is said to be aneurysymal.

Normal width for women age 50 and older is 1.5cm. For men it is 1.7cm. If the width is 1.5 times normal range or 3cm. then the aorta is abnormal.

The typical reasons for disease of the aorta is aging or atherosclerosis. Aneurysms are asymptomatic until rupture/dissection. Tobacco use, high blood pressure, age and male gender are also risk factors.  There is also a strong familial risk as well.

Below is is typical recommendations for an enlarged abdominal aorta:

  • Aortic diameter less than 3cm-  No follow-up needed
  • Aneurysm 3-4.5cm in diameter-  Annual ultrasound recommended
  • Aneurysm greater than 4.5cm-  Vascular surgeon referral recommended
  • Aneurysm that grows greater than 0.5cm in 6 months or 1cm in 1 year-  Vascular surgeon referral recommended

 Typical underwriting guidelines used for evaluation of abdominal aorta aneurysm:

  1. Marfan Syndrome, Familial aortic aneurysm, Vasculitis, Ehlers-Danlos IV- Most Often Declined for Coverage
  2. Spontaneous Dissection without underlying pathology- Postpone application for year after recovery then potentially insurable at 50% rate up
  3. Trauma, after recovery, without underlying pathologh- Typically Standard Risk
  4. Dilated up to 3cm- Typically Standard Risk
  5. 3-4.5cm, stable for one year and good follow-up- Possible offer plus 100% rate up
  6. Greater than 4.5cm, not stable for one years or not well followed- Possible declination
  7. Degenerative disease of abdominal aorta, operated by traditional open repair- Possible offer plus 50% rate up
  8. Degenerative disease of abdominal aorta, operated by endovascular repair with stable ultrasound- Possible offer with 75% rating after 1 year from surgery.

The Secret to Finding the Best Rate

As an expert in the special risk marketplace, we typically know which handful of life insurance companies will make the best offer for coverage for a particular risk. In some cases though it may make sense to have the companies compete against each other for the privilege of making you an offer.

One way we do this is by submitting a request to multiple carriers on an informal basis or trial application. This may simply entail getting as much medical information as we can from our prospect either verbally or from their personal physicians.

We then send this to the different companies or speak directly to the underwriters to get their feel for what the best rates would be SHOULD we decide to formally apply to them for coverage. This makes the companies fight for your business.

Most traditional life insurance agents don’t do this. They simply have no idea what to do when a prospect says they have a history of an abdominal aneurysm. The typical agent won’t know what questions to ask or have any idea which insurance company will make the best offer.

So, left with no options, many unexperienced agents simply throw out a rate to their customer and take an application for whatever company they represent. This can be a huge disservice to the client. By doing this the agent has no control over the outcome. The company that underwrites the policy may be only in the preferred risk marketplace and have absolutely no experience underwriting life insurance with abdominal aneurysm.

Therefore, the clients information is then reported to the medical information bureau. If the insured is declined, the MIB report will now show this on the record of the insured. This can actually hurt the insured in finding other coverage elsewhere. This is a typical rookie mistake by many agents.

Number one rule again. ONLY WORK WITH AN AGENT THAT IS EXPERIENCED IN THE SPECIAL RISK MARKETPLACE…

Questions for evaluating life insurance with abdominal aneurysm

Below you will find the typical questions that most underwriters will need answered when evaluating you for protection. Answering these questions up front can save you quite a bit of time and perhaps money on if a company will insure you and what the possible rates may be:

  • Male or Female?
  • Date of Birth?
  • Ever use tobacco?If stopped, when?
  • Amount of coverage needed?
  • Size of Aneurysm?
  • Age at diagnosis?
  • With operation or without?If operated when and what type? I.E. open repair or endovascular
  • Date of last ultasound?
  • Current Medications?
  • Any other medical history? I.E. diabetes, cancer, high blood pressure, etc.
  • Height/weight?

Conclusion-

If you need life insurance and have a history of abdominal aneurysm, coverage may be available. If you would like us to review your situation please contact us at 1-888-393-9003 or mike@specialriskterm.com We are experienced in this special risk area of life insurance underwriting. You will work personally with the owner of the agency. Thank you for reviewing this blog.

For a FREE quote

Call, text, email or fill out our instant quote form:

Call: 678-207-8160
Text: 678-207-8160
Email: mike@specialriskterm.com
Instant quote form: Click here

How can I help?

Mike Raines

I am an independent life insurance agent with over 30 years’ experience. I am an expert in finding coverage for those with past or current medical history such as heart disease, diabetes, post cancer, etc. I also specialize in those that participate in scuba diving, mountain climbing, private pilots, etc. I work with the best life insurance companies in the nation, such as Prudential, AIG, Protective Life, Transamerica to name a few. Each carrier has different opinions on rates and underwriting, and it is my job to match you with the best company. To do that, I need to ask you a few questions about your health and lifestyle to qualify you.

For a FREE quote, call, text or email:

Call: 678-207-8160

Text: 678-207-8160

Email: mike@specialriskterm.com

Mailing Address:
3482 Keith Bridge Road Suite #125
Cumming, GA 30041

Testimonials

It’s not easy to find life insurance with a chronic condition such as crohn’s disease which is why I greatly appreciated having Mike on my team. Mike is responsive, patient, professional and indefatigable- all things you need when you’re looking for a competitive policy. Knowing my family will be taken care is not only a relief but a huge confidence boost and I’m thankful Mike works in the special risk insurance arena. I would absolutely work with him again. Thank you Mike!

- Bobby from Washington D.C.

Mike did an awesome job in finding affordable coverage for myself and my husband. Highly recommend his services.

- Shannon from Atlanta, GA.

Best rates and best service I have ever received.

- Robert from Kennesaw, GA.

I tried several places before I came across Mike’s website. The insurance at these other places was either very expensive, or the company wouldn’t cover me because of my health history. Mike was able to find me a reasonably priced policy with a major insurer. He did a great job locating a policy that works well for me.

- Jeff from Hermon, ME.

As someone with a past cancer diagnosis, finding life insurance had been a huge annoyance. Mike made it easy, and somehow found quotes that were significantly more affordable than what others gave me.

- Matthew from St. Louis, MO.

Mike and Special Risk Term are absolutely top shelf! I was worried that I would not be able to get term life insurance to protect my family, or that the costs would be exceedingly high.

Mike knew the industry inside and out and knew which companies would provide the best options. He coordinated with the underwriters to get the job done and get me an affordable plan, and kept me updated throughout the entire process. Not to mention he did it all electronically in the age of COVID without ever having to meet in person. Highly recommend. Excellent service and expertise!

- Chris M. from Laguna Niguel, CA.

I could not be happier working with Mike Raines to get life insurance coverage for myself after having been declined for health reasons by my employer. My wife and I just had a son and it had become more imperative than ever that my family be protected if I were to pass away. The health screening appointment was conducted at my home around my schedule, which was very convenient. It was clear to me that Mike went above and beyond to make sure the underwriter fully understood my situation, going to bat for me so that I would not be declined again. I am a very happy customer.

- Daniel S. from Seaside, CA.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

Mike and his team made the entire process from start to finish very seamless and also overcame the task with us being multiple states apart with ease. With the easy process and very competitive priced insurance for high risk athletes, you have no need to look anywhere else for coverage. Thanks to Mike and his team for all they did and I highly recommend them for your Special Risk Life Insurance needs.

- Tyler C. from Danville, VT.

Mike did an outstanding job getting me my coverage. He went above and beyond answering all my questions. He always returned my calls immediately even on the weekends!!! I highly recommend him.

- Aileen from Woodstock, GA.
About SpecialRiskTerm.com
About SpecialRiskTerm.com

We work with individuals across the nation to secure the best life insurance rates.

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