Last Updated: May 2020
This article is for those searching for life insurance with Bundle Branch Block as a pre-existing condition.
We have years of experience helping people with Bundle Branch Blocks (BBB) obtain life insurance policies at rates they can actually afford, and we’ll go over what it takes to get affordable rates in this article:
- Heart Blocks, BBB and The Impacts On Life Insurance
- Life Insurance with Bundle Branch Block: What To Expect
- Secure Other Coverages With Bundle Branch Block
- Getting Approved With BBB Is Possible And We Can Help
Heart Blocks, BBB and The Impacts On Life Insurance
There are many causes of BBB, but the most common one is coronary artery disease (50%).
Other causes include cardiomyopathy, hypertension, tumors, fibrosis (scarring) of the conduction fibers, congenital lesions, trauma, and aortic stenosis.
However, BBB can also occur in a heart that has no obvious abnormalities.
Life insurance underwriters will factor in these underlying causes as well.
For people applying for life insurance with Bundle Branch Blocks, we’ll need the following information in order to provide an accurate rate:
- What type of Bundle Branch Block is present?
- How long has it been present?
- Have you shown any recent changes in the ECG?
- Do you have chest pain, cardiomyopathy, high blood pressure, congenital heart disease, or valvular heart disease?
- Have any cardiac studies been completed?
- Are you on medication?
We’ll need details for all of the above questions in order to provide accurate rates.
The more information you can provide the more accurate rates we can provide.
Remember, we’re on your side, so be as upfront as possible.
If you don’t have all the details, that’s ok, we can give you an estimate and the underwriters will uncover this information when they comb through your medical records.
Life Insurance with Bundle Branch Block: What To Expect
When you apply for life insurance with BBB (Bundle Branch Block) you need to expect it to be a process of shopping for different companies and getting all of your documentation for your BBB in order.
This does not necessarily mean that you need every medical record possible about your BBB but it does mean that you can provide accurate information about your timeline and history with BBB.
Currently, you will want to look towards companies offering fully-underwritten life insurance policies which, unfortunately, do require you to take a medical exam.
Additionally, depending on your exact status of your BBB, you should be expecting your rates to be slightly higher with BBB compared to someone who is otherwise healthy.
Sometimes, quite a bit higher.
We will cover more on the specific ratings you can expect for life insurance with BBB shortly.
In a short summary, life insurance with BBB is not overly difficult to obtain but you should understand that it is a process, a qualified high-risk life insurance agent can help you but you will need to have some patience when going through the process.
Sometimes the first life insurance company that presents you with an offer for coverage is not the company you should choose.
This may mean applying with several companies and allow the companies to compete for your business.
It may also mean a little more back and forth may need to take place retrieving information for the life insurance underwriters or obtaining certain medical records or information from your primary care physician.
If you enter the process understanding this and can get all your information in order, the process is going to be much more streamlined and comfortable for you to complete.
Underwriting Life Insurance With Bundle Branch Block
In order to get “Standard” life insurance rates, your Bundle Branch Block will need to be an isolated finding with no known heart disease or history of changing ECG pattern of:
- Incomplete Right Bundle Branch Block (IRBBB)
- Complete Right Bundle Branch Block (CRBBB) – excluding Sarcoidosis
- Left Anterior or Posterior Hemiblock (LAHB or LPHB)
However, if you have a complete Left or Right Bundle Branch Block, you’re looking at a substandard rating, starting at Table B.
If combined with other issues, it can be higher. If you’re stable for 6 years with no other cardiovascular impairments and a normal current thallium stress test, then you can obtain “Standard” rates without a rating.
If you’re looking for “no exam” life insurance with bundle branch block, it’s available for limited amounts of whole life insurance if you’re over the age of 50.
Currently, there aren’t any no medical exam term life insurance carriers that are offering coverage for those with BBB.
You will have to take a medical exam if you want term coverage.
Since every life insurance company will perceive your risk differently, it is essential to work with an agent that has experience working with people who have Bundle Branch Block or heart problems.
The key to finding the best life insurance rates with Bundle Branch Block is finding the company that looks most favorably at your specific risk.
Secure Other Coverages With Bundle Branch Block
With BBB or any health condition for that matter, you always have a chance at being declined for life insurance coverage.
Reputable agencies that specialize in high-risk life insurance are certainly capable of helping you with your unique circumstances and BBB, but sometimes, when you include all other health problems in addition to BBB, you may struggle to get approved or to find affordable rates.
If this happens to be the situation you’re currently facing, be sure to consider other options for coverage such as guaranteed issue life insurance or even accidental death life insurance.
These types of policies do not require a health background to be completed in order to qualify.
However, coverage amounts available are much smaller and other stipulations do apply.
Getting Approved With BBB Is Possible And We Can Help
At Rootfin, we have plenty of experience with this risk and can help you obtain the lowest rates on your life insurance due to our knowledge of the market and access to over 60 life insurance carriers.
If you’re in the market for life insurance with Bundle Branch Block, please don’t hesitate to call us for quotes.
If you’re looking for instant life insurance quotes and your Bundle Branch Block is mild, choose “regular” on the instant quote form to see rates.
Best of luck in your search for affordable coverage.