Life Insurance with Marfan Syndrome

What is Marfan Syndrome?

Finding affordable life insurance with Marfan syndrome can sometimes be challenging. Marfan Syndrome is a genetic disorder that affects the body’s connective tissue. About 1 in 5,000 people have Marfan syndrome, including men and women of all races and ethnic groups. About 3 out of 4 people inherit Marfan syndrome from a parent who has it.

How to find the best rates for life insurance with Marfan syndrome?

Without a doubt the number one way to find the best rates on life insurance with Marfan syndrome is to work with an agent that is an expert in the special risk life insurance marketplace. This specialty risk agent will be someone that has years of experience and knowledge in working with individuals that may have pre-exisiting medical conditions such as diabetes, heart disease, kidney disease, etc.

Your agent should be independent and represent multiple carriers that specialize in offering coverage for individuals with pre-existing medical conditions such as Marfan syndrome.

What do life insurance underwriters look for when evaluating this risk?life insurance with Marfan syndrome

Life insurance underwriters that specialize in underwriting life insurance with Marfan syndrome will frequently be concerned with any problems to the heart and blood vessels of those with Marfan syndrome.

Problems with the heart and blood vessels are very common. One of the most common of these problems affects the aorta, the main blood vessel carrying blood from the heart to the rest of the body. Heart valves can also have a problem.

In fact, approximately 9 out of 10 people diagnosed with Marfan syndrome have some type of impact on their heart and blood vessels.

Some of the other types of cardiovascular problems that can occur with Marfan syndrome include:

Aortic Enlargement- individuals with Marfan syndrome may see their aorta enlarge and become thickened. 

Aortic Tear or Rupture- If the aortic wall becomes dissected it may tear or rupture between the layers of the aorta.

Mitral Valve Prolapse– this a condition in which the flaps of one of the heart valves are “floppy” and don’t close tightly.

Aortic Regurgitation- this is caused when the aortic valve does not fully close and blood leaks back into the heart. 

All of the above problems, along with others are what life insurance underwriter’s typically see when evaluating life insurance with Marfan syndrome.

What questions your agent will need answered

In order for your agent to find the best company at the best rate for life insurance with Marfan syndrome, you will need to answer some preliminary questions. Below are some of the typical questions:

  1. When were you diagnosed with Marfan syndrome?
  2. Have you had any history of aortic or mitral valve disorder? If so, is it considered mild moderate or severe?
  3. Any history of aneuyrism dilation or dissection?
  4. Have you had any tests such as x-rays, EKG’s, echocardiogram, Magnetic Resonance angiogram or transesophageal echocardiogram? 
  5. What if any medications are you currently prescribed?
  6. Any other major medical conditions such as high blood pressure, diabetes, cancer, etc.?
  7. Date of Birth
  8. Tobacco or non-tobacco

Any addition to the above medical questions it is important for the agent to know the amount of coverage desired and the plan of coverage needed.

Don’t make this mistake when applying for coverage

Once your agent has gotten some of the preliminary questions above answered, it is now time to use their knowledge an expertise in this special area of life insurance underwriting.

A typical agent with no experience in this field of life underwriting, might simply have their client apply to several insurance companies and wait and see which one offers the lowest rate. And this could be a costly mistake.

You see, life insurance companies aren’t in the business of simply paying for insurance exams, blood tests, EKG’s, underwriter salaries and then not having a customer accept a policy. 

When an individual fills out multiple applications it throws up a red flag. Each insurance company runs an MIB (medical information bureau) report. This report protects the insurance companies from individuals that may have been previously declined for coverage elsewhere or has applied to a half a dozen other carriers.

When an insurance company sees the MIB report and it shows multiple submissions thru multiple carriers this may keep a company from making a viable offer. The company will feel like they are just another application in the pot of many.

They may not want to waste their time and money underwriting an application that may simply not result in a policy getting placed. So, they could simply withdraw from the process. This hurt’s the insured because perhaps this particular company was the one company that would have been willing to make the best offer.


The correct way to apply for life insurance with Marfan syndrome

Okay, the correct way to get the lowest rates is to let your agent do all the legwork before formally applying for coverage.

This is done by answering the questions above and letting the agent shop your coverage among the best carriers. Your agent should discuss over the phone with the underwriters your situation without submitting any application beforehand. This keeps your information confidential and keeps your information out of the MIB file.

Once the agent has negotiated the best offer you will then be presented with that offer. If the offer is something you feel you can afford and are comfortable with then and only then should you complete a formal application.

Once the application an exam is completed, the chosen company will formally underwrite your policy and give you the final offer. This not only saves you time but will save you money.


If you have a history of Marfan syndrome and are in the market for the lowest cost life insurance we can help. We are experts in the special risk underwriting arena. You can speak directly to the owner. We will discuss your situation and describe the best plan of action to get the lowest rate in the life insurance world.

Please contact us at 1-888-393-9003 or

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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

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


Mike and his team did an extra ordinary job of handling my life insurance situation.  I was unable to secure life insurance because I had cancer 17 years ago however Mike and his team navigated through the challenges to get me a 15 year policy at great monthly rates. Thank you Mike for all your work in in this challenging situation.

- Nathan S. from St. Paul, MN.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, 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.

Mike was extremely helpful in locating a life insurance company that would accept a preexisting condition at a reasonable price. He saved time by submitting health records to several companies for a quick preview then following up with the one who offered the most reasonable premium. He knows which companies are most likely to accept certain conditions. Throughout the application process Mike was very quick to respond to e mails and phone calls. We highly recommend Mike if you need life insurance and have a preexisting condition.

- Henry R. from Springfield, TN.

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.

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.

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.

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.

As part of the process of buying a new business, I needed life insurance. However, my congenital heart defect made agents squirm over the phone. Then I found Mike, who not only understood my situation, but found two solutions for me. Within a week, I had confirmation of an AD&D policy and a Term Life policy…all at very reasonable rates. The sense of relief can’t be underestimated. Thank you, Mike!

- Heather G. From Crestview, Fl.

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

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