We don’t often get calls from folks who have been diagnosed with bicuspid aortic valve disease (BAVD), after all, it only affects around 2% of the population.
That being said however, BAVD is the most common type of congenital heart disease which is why it’s important, as a life insurance agent, that one has a complete understanding of what bicuspid aortic valve disease is and how it will affect the outcome of ones’ application for life insurance with a pre-existing condition.
When one looks at some of the underwriting guidelines with regards to how an life insurance company will view an application from an applicant who have been diagnosed with bicuspid aortic valve disorder, what you’ll find is that these applicants can literally be eligible for any number or different rate classes ranging from Preferred, all the way to Table H!
And just for the record, table H is 10 rate classes worse than a Preferred rating, so chances are, if “Table H” is the best rate that you can qualify for, there’s a pretty good chance that you may not qualify for a traditional term or whole life insurance policy at all!
So… what rate will you will you qualify for?
To be able to better determine what rate class you may or may not be eligible for, it only makes sense to take a quick look at exactly what bicuspid aortic valve disorder is, and what potential symptoms may be present in those who suffer from this disease.
Bicuspid aortic valve disease (BAVD).
Bicuspid aortic valve disease is an inherited form of heart disease whereby two of the three leaflets found in a “normal” aortic heart valve “fuse” together during embryotic development creating a two-leaflet aortic valve (bicuspid) instead of a three-leaflet aortic valve (tricuspid).
What causes BAVD is not completely understood, however recent studies to seem to indicate that BAVDs cause may be linked to the presence of another connective tissue disorder. For now however, more research is needed before any definitive conclusions can be made.
What is known is that, bicuspid aortic valve disease does appear in about 2% of all births in the United States and is twice as common in males as it is in females.
Common symptoms of bicuspid aortic valve disease.
While present at birth, it is unusual for BAVD to be diagnosed that early simply because the defective aortic valve is usually able to function “symptom free” for many years before detection. This is why most diagnoses’ will be made later in life in adulthood. At which time, symptoms such as:
- Stenosis may appear causing:
- Chest pain.
- Shortness of breath.
- Dizziness and lightheadedness.
- Fainting spells.
- Rapid or fluttering heart palpitations.
- Swollen ankles.
- Coughing while laying down.
Treatment options will vary for those who have been diagnosed with bicuspid aortic valve disorder and will typically be dictated by the types of symptoms that you are experiencing.
There are many individuals who have bicuspid aortic valve disease, but because they don’t actually experience any symptoms they may not even know that they were born with a congenital heart defect!
For these individuals, and other like them, who have been diagnosed with BAVD and aren’t experiencing any significant symptoms, zero treatments will generally be prescribed. These will also be the same individual who will have the best opportunity to qualify for a Preferred rate class on their life insurance application.
Now for those individuals who are experiencing symptoms of their BAVD…
Surgical treatments may be required to repair or replace their defective aortic heart valve (artificial heart valve). In fact, nearly 80% of those who are actually diagnosed with BAVD will ultimately end up needing to have some type of corrective surgery performed.
Now these individuals…
May still be able to qualify for a traditional term or whole life insurance policy, only now, the insurance companies are going to be much more interested in the severity of their condition past and present.
Common questions you’ll likely be asked to determine the severity of your current condition:
- How old were you when you were first diagnosed with BAVD?
- Who diagnosed your BAVD? A general practitioner or a cardiologist?
- Do you suffer from any other forms of heart disease?
- What symptoms have you experienced due to your BAVD?
- Have you had your BAVD surgically repaired? If so, when? If not, will you need to have it surgically repaired?
- Are you currently experiencing any symptoms related to your BAVD?
- Have you received any type of long term prognosis from your doctor regarding your BAVD?
- Are you currently working now?
- In the past 12 months have you applied for or received any form of disability benefits?
From here, the insurance companies will generally have a better understanding of how “severe” you condition is and whether or not you will be eligible for a traditional term or whole life insurance policy. They’ll also have a pretty good idea about what “rate class” you should qualify for as well.
The good news is that…
Even if you’ve required artificial heart valve surgery to treat your bicuspid aortic valve disease, there is still a really good chance that you will be able to qualify for a traditional life insurance policy. Only now, it’s going to be more important than ever that you choose the right life insurance company and be able to demonstrate that you are in good health NOW.
And that’s what we’re her for…
You see, we here at TermLife2Go have tons of experience working with your “more challenging” life insurance applications. This is why we work very hard at maintaining relationships with dozens of highly rated life insurance companies, including some of the Best Final Expense and Burial Insurance Companies.
This way when we have a client who has been diagnosed with bicuspid aortic heart disease and has required an heart surgery to repair it, we don’t need to simply rely on one or two different life insurance options and hope for the best!
We can actually search dozens of different life insurance companies all in an effort to help you find the best life insurance policy that you can qualify for!
So, what are you waiting for? Give us a call today or visit our Life Insurance Quotes page and see what we can do for you!