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Bundle Branch Block Overview
If the first time you ever heard of a bundle branch block was during an electrocardiogram, you are not alone.
Your heart sends out electrical signals, telling your heart muscle to contract.
If your heart does not receive the signal as it should, it may be signs of a bundle branch block.
Bundle branch blocks are designated as either right or left bundle branch blocks.
In addition to Left or Right, your block may be considered a complete or incomplete bundle branch block.
Bundle Branch Block Underwriting
While each person’s medical history is uniquely different, the following general rules apply.
Right Bundle Branch Block
A Complete Right Bundle Branch Block is a common EKG heart irregularity.
It’s not a big deal with life insurance underwriting as long as it wasn’t just discovered on your EKG from the paramed exam.
An Incomplete Right Bundle Branch Block is common and is a minor issue for life insurance underwriters.
Left Bundle Branch Block
Left bundle branch blocks may present some problems from a life insurance underwriting standpoint.
The reasons why include:
A left bundle branch block may interfere with EKG readings, hiding other heart problems.
More importantly, a left bundle branch block could be an indicator of,
Cardiomyopathy, coronary artery disease, or left ventricular hypertrophy.
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Life Insurance Rates for Bundle Branch Blocks
If you are aware of the left bundle branch block and have had a complete cardiac workup,
It may be possible to obtain life insurance with no additional table rating.
Otherwise, you may be looking at standard life insurance rates plus an additional 50% – 100% extra.
Please take a few minutes to complete our quote request.
If there is an underlying heart problem, we can revisit multiple life insurance companies once we know exactly what your heart issue is.
Michael Horbal is the founder and owner of RiskQuoter.com and a licensed life insurance agent who has helped thousands with affordable protection for families and businesses.