Life Insurance With Mitral Valve Prolapse

mitral valve prolapse life insurance quotesHave you been diagnosed with Mitral Valve Prolapse? We can help you get the lowest life insurance rates available.

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

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

  1. The presence and/or extent of mitral regurgitation
  2. 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.

If you don’t know these, that’s fine.  Many of our clients don’t know the specifics and just know that it’s either 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.

Lets 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.

Secure The Best Life Insurance Rates With Mitral Valve Prolapse

There are several life insurance companies who are giving better offers to those with mitral valve prolapse than the rest of the life insurance industry.  We would list these companies here, but then we’d be losing our competitive edge.  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.


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About Jeff Root

is the owner of He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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