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Heart Murmur Overview
If you have a heart murmur or palpitations, we’ll help you get the life insurance coverage you need.
Most are harmless and do not require any medical treatment.
Underwriting Heart Murmurs
Our underwriting expertise will help you find the coverage you need.
Many people, never experience any problems and may only learn about a murmur after a routine heart check with a stethoscope.
Heart murmurs are classified as either Functional Heart Murmurs or Organic Heart Murmurs.
and fall into our heart disease life underwriting.
Different types of murmurs include:
Functional Heart Murmurs
Functional – Are also called innocent heart murmurs and are the least concern to life insurance underwriters.
Types of functional include physiologic, cardiorespiratory, and aortic sclerosis.
As long as there are no additional underlying heart problems,
We have a number of life insurance companies that will consider you for life insurance coverage without charging you additional money.
Organic Heart Murmurs
Organic – Organic types are caused by heart disease or congenital problems.
Types of organic include:
- Aortic Insufficiency
- Aortic Stenosis
- Bicuspid Aortic Valve problems
- Insufficiency of Mitral Valve
- Stenosis of Mitral Valve
- Mitral Valve Prolapse
- Pulmonary Insufficiency
- Pulmonary Stenosis
Underwriters need to know the following:
- When were you diagnosed with a murmur?
- What type of murmur do you have?
- Have you had any heart surgeries?
- Do you have any other heart conditions?
- Do you take any medications?
Life insurance underwriters also look for other cardiovascular conditions such as coronary artery disease, unstable angina, as well as any other heart disease issues.
Ready to take your next step?
Request your quote today!
We have a number of impaired risk life insurance companies available that we can work with to help you get the life insurance you need.
There is never any obligation or pressure with our life insurance service.
We’ll provide you with the information you need to make an informed decision about your life insurance.
Please take a few minutes to complete your quote request today.
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.