Life Insurance With Mitral Valve Prolapse : Easy Way To Approvals

Last Updated: May 2020

Have you been diagnosed with Mitral Valve Prolapse? We can help you get the lowest life insurance rates available even though Mitral valve prolapse is considered high-risk life insurance.

Mitral Valve Prolapse is actually a very common medical condition and under the right conditions, can qualify for the best life insurance health classification: preferred plus.

However, you need to make sure you apply with a life insurance company that looks at your Mitral Valve Prolapse the most favorably.  That’s where we come in.

At Rootfin, we have helped dozens of our clients find the best life insurance rates with Mitral Valve Prolapse because we understand the concerns underwriters have and know which companies are giving the best offers.

• Mitral Valve Prolapse and Life Insurance: Underwriters Point Of View
• Examples of Life Insurance Ratings with Mitral Valve Prolapse
• Guaranteed Issue Life Insurance With Mitral Valve Prolapse
• Secure The Best Life Insurance Rates With Mitral Valve Prolapse

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Mitral Valve Prolapse and Life Insurance: Underwriters Point Of View

The 3 most important factors life insurance underwriters are looking at are:

1. The presence and/or extent of mitral regurgitation
2. The thickness of the Mitral Valve
3. Size of the left atrium

This information is all found in your EKGs.

These are factors we’ll need to know when finding the cheapest life insurance with Mitral Valve Prolapse or any heart condition for that matter.

If you don’t know these, that’s fine. Many of our clients don’t know the specifics and just know that it’s a “non-issue”, as in, your doctor told you everything is under control.

In this case, we’ll apply for Preferred life insurance rates (assuming no other health issues) with the carriers where we’re getting the best offers.

The details will come out in underwriting and we can always switch gears if we have to and apply with a different life insurance company.

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Examples of Life Insurance Ratings with Mitral Valve Prolapse

Let’s look at 3 different Mitral Valve Prolapse life insurance cases to give you an idea of what kind of life insurance rates to expect.

Case #1:

EKG shows normal-appearing mitral valve prolapse with no evidence of mitral regurgitation and normal left atrium. No other underlying health issues. This case qualified for the best rate class available: “Preferred Plus”

Case #2:

This EKG showed mildly thickened mitral valve prolapse and mild regurgitation with a normal left atrium. Since the valve thickening was mild and the left atrium was normal and there were no other underlying health issues, this case received a “Standard Plus” offer.

Case #3:

Their EKG showed a redundant mitral valve, moderate mitral regurgitation, and a dilated left atrium. Since the left atrium is enlarged, this would be a “Substandard” life insurance offer. The actual rating would depend on your age and the amount of left atrial enlargement.

If you have moderate to severe mitral valve prolapse, you’ll want to show a demonstrated track record of stability over a number of years (preferably 5+ years) with well-documented EKG follow-ups.

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Guaranteed Issue Life Insurance With Mitral Valve Prolapse

While in most circumstances, it is possible to be approved for life insurance with mitral valve prolapse, you still have situations that can make it much more difficult to obtain traditional life insurance.

Typically, this will occur when you have other health conditions in addition to the mitral valve prolapse.

If this occurs, you do not necessarily want to give up on coverage altogether for you and your family.

Some coverage is always better than no coverage at all and guaranteed acceptance life insurance is always an option to consider.

A-rated companies such as AIG and Gerber Life offers coverage that requires no health questions and no medical exam to be completed prior to approval.

Be sure to compare all options including guaranteed acceptance life insurance with your agent.

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Secure The Best Life Insurance Rates With Mitral Valve Prolapse

There are several life insurance companies that are giving better offers to those with mitral valve prolapse than the rest of the life insurance industry.

The bottom line is you need to apply with one of these companies.

Our access to the top-rated life insurance companies on the market and experience in underwriting mitral valve prolapse gives us a competitive advantage over other agencies.

We consistently replace new policies with less expensive options just because we used the right life insurance company.

If you’re interested in receiving quotes based on your unique risk, all we need to do is complete a health profile over the phone.

There is never any obligation or pressure from our agents.

We’ll simply give you the information you need and answer any questions along the way.