If you’re looking for life insurance with Bundle Branch Block as a pre-existing condition, you’re in the right place. Many of our clients come to us after receiving a higher rate than initially quoted or even being declined. We consistently find our clients with Bundle Branch Block the best life insurance rates available on the market.
What it Bundle Branch Block?
BBB is a condition where there is a delay or obstruction along the pathway that sends electrical impulses to make your heart beat. The delay or blockage occurs on the pathway that sends the electrical impulses to the left or right side of your heart. The block in the branches causes the impulses to travel slower than normal.
Doctors can use an electrocardiogram (EKG or ECG) machine to detect the tracings and show if your blockage is on the right or left bundle branch.
What types of Bundle Branch Block?
1. Right Bundle Branch Block (RBBB) – most common
2. Complete Bundle Branch Block ( CBBB)
3. Left Anterior or Posterior Hemiblock (LAHB or LPHB)
Life insurance underwriters will want to know the underlying cause of your condition. The cause can be from genetic disorders or underlying conditions like coronary heart disease (CHD), aortic valve disease, hypertensive heart disease and cardiomyopathy. Also, sometimes they occur in a heart with no abnormalities.
Items you’ll need to know before applying:
• Which type of BBB do you have?
• When was your last EKG or ECG, and were there any changes?
• Do you have any other health conditions: High blood pressure, Coronary Artery Disease, Congestive Heart Disease, Valve Disease?
• List medications and dosages
• Are you experiencing symptoms of shortness of breath or dizziness?
• Do you have regular check-ups with your cardiologist?
• Do you have a pacemaker?
What Rating should I expect since I’ve been diagnosed with BBB?
If you do not have any underlying heart disease or changes in your ECG, you can expect a “Standard” life insurance rate from certain insurance carriers.
If you’re continuing to experience symptoms of arrhythmia, fainting spells or having a hard time breathing, then your condition would be more moderate. These rates tend to be substandard, which start from Table B and higher depending on your medical issues.
If you are having difficulty qualifying for traditional coverage, you could be eligible for a competitive graded death benefit policy.
Since every life insurance carrier is going to look at your condition differently, it’s important to work with an independent agent who has experience working with people with Bundle Branch Block.
We have plenty of experience with this risk and we can help you receive the best rates on your life insurance coverage due to our knowledge. Listed below is a current case study from one of our most recent clients.
Case Study: Client 1 with LBBB
A 45-years-old male nonsmoker who is 5’11 210lbs was diagnosed with LBBB. He had arrhythmia and decided to have a cardiac ablation preformed. The client was on one hypertension medication and three cholesterol medications for prevention. His condition was controlled and had a recent stress test with his cardiologist.
The client was approved with a Substandard rating of Table C.
Before we submitted our application to the insurance company, we did our research first since this new client had been previously turndown by another insurance company. We asked our new client all the questions that we listed above and then had his cardiologist and myself write a letter on his behalf. This assisted our client with a favorable rate and provided the peace of mind that he needed knowing that his young family was protected.
Please don’t hesitate to call us for quote today if you’re in the market for life insurance. Our specialty is pre-existing conditions. It’s simple, just complete the online form or call us at 877-817-2583 and we’ll be happy to provide you with a free custom today!