Updated on January 27, 2021
If you have aortic stenosis and need life insurance, we have companies available to help you.
Aortic Stenosis Overview
With stenosis, your valve thickens and does not open properly.
We are able to help you if you had congenital heart conditions, rheumatic fever, or calcification of the aortic valve.
Can I Get Life Insurance?
The answer for most people is “Yes”.
Finding life insurance with heart disease conditions requires expert underwriting knowledge.
Stenosis life insurance underwriting is part of our heart disease life insurance underwriting section.
The key to success is to work with an impaired risk life insurance expert.
Aortic Stenosis Underwriting
Aortic stenosis is classified as one of the following categories:
- Trace or Trivial or Minimal
Your calcification is determined by your valve pressure between your aorta and left ventricle.
This is also called your Gradient.
Doctors diagnose stenosis via an echocardiogram or by cardiac catheterization.
A cardiac catheter provides a definitive diagnosis while an echo provides an estimate.
Your Gradient combined with the heart murmur grade determines a trace, mild, moderate, or severe aortic stenosis.
Your medical records will indicate which class you have.
The classification combined with current age and age at diagnosis determines life insurance rates.
Life Insurance Rates for Aortic Stenosis
Trace – For many people, standard life insurance rates will be available, especially if you are over age 60.
For younger insureds, you may see a standard rate plus an additional table rating.
Typically you would see a table 2 rating, or 50% increase over standard rates.
Mild – Standard rates to a low table rating may be possible for age 60 or older.
A table rating for mild will add 50 – 75% to standard rates.
Insureds under age 60 typically receive ratings 75 – 100% above standard rates.
Moderate – Age 60+ = 50-75% added to standard rates.
Insureds under age 60 – Rates typically start at 100% above standard rates to possibly being declined.
Severe – Severe aortic stenosis is a decline with most life insurance cases.
There are some limited instances where we can obtain coverage for you.
Please take a few minutes to complete your quote request today.
Keep in mind that there is never any pressure or obligation with our life insurance.