Life Insurance with Long QT Syndrome

Last updated: March 6th, 2018

Heart OrganWhen anyone applies for insurance, the underwriter has several factors to consider, the most significant factor being the applicant’s health. Therefore, any type of adverse condition such as Long QT syndrome could make qualifying difficult, if not impossible in some cases.

Before diving into more detail about how to get life insurance with QT Syndrome, it is worth emphasizing the fact life insurance is worth the investment. For most of us, it is the only way we can guarantee that our family will have the money needed after we’re gone.

As mentioned earlier, when you apply the insurance company will have to review many factors that are indicators of risk. Those factors determine how much premium the company will have to charge you to compensate for the risk. In addition to considering your general health factors, they will also look into any pre-existing health conditions you may have, such as QT syndrome.

It might be more difficult to get coverage with QT syndrome. However, there are things you can do to increase the chances of being approved. Knowing how and where to apply, and what information is needed can help improve the probability of being approved.

The objective of this article is to look at how QT syndrome might impact how a life insurance company considers your application, and ways you can get the lowest rates possible. Don’t let your health keep you from getting the protection your family deserves.

What is Long QT Syndrome?

Long QT syndrome is actually defined as being a type of heart rhythm disorder. This condition can potentially cause heartbeats that are quite rapid – at times causing sudden fainting spells or even seizures. In more severe cases when the individual’s heart beats erratically for a long period of time, the condition could be fatal.

Many who now have long QT syndrome have been born with a type of genetic mutation that puts them at risk of acquiring the condition. There are also certain medications, as well as some medical conditions, that could potentially cause long QT syndrome in certain individuals.

The good news is that the condition can be treatable – or at least managed. Some ways to do so include limiting physical activity and avoiding medications that are known for prolonging Q-T intervals. Those affected with Long QT syndrome could also take medication that may prevent rapid heart rhythm.

Some individuals may require surgery or an implantable device in order to alleviate or help control their condition. Any of these methods could help when considering applying for life insurance coverage.

Understanding Life Insurance Health Ratings

When applying for life insurance, premiums are set in large part by risk class. This risk class is determined by the applicant’s anticipated life expectancy and other risk factors. Certainly, one of the biggest components that has to do with life expectancy is one’s health.

Those who have a current or past health issue may be assigned a “table” rating on their life insurance policy. This is an additional charge that may add between 15 to 200% to the amount of the premium, depending on the severity of the health condition.

The table rating is put in place in order to account for the additional risk taken on by the insurer because the likelihood of the insurance company having to pay out a claim while the policy is in force is increased.

For those who are afflicted with Long QT syndrome, the best case scenario for coverage approval would be to have the following factors present:

  • No history of syncope / near-syncope or seizures
  • No family history of sudden death (including sudden infant death syndrome) or unclear accidental death
  • No pacemaker or defibrillator placement
  • QTc of less than 0.500
  • ECG otherwise normal
  • Resting heart rate of greater than 60
  • QT interval shortens with exercise
  • Negative ambulatory monitor

As the above factors showcase the ideal situation, however, insurers understand that there will be many instances where applicants will not fall into all of these parameters. With that in mind, approval for coverage is still possible, it just may be at a higher premium rate or for a policy with certain restrictions.

How to Get Approved for Coverage with Long QT Syndrome

In any situation where an adverse health condition exists, life insurance companies will typically need additional information prior to making an underwriting decision regarding an applicant for coverage. Depending on the severity of your condition and the amount of coverage you are applying for, you may be required to submit a blood and urine sample, and possibly undergo a medical examination.

In addition to submitting all of the necessary information, one very helpful way to increase your chances for approval is to work with an experienced insurance agent that specializes in working with high risk life insurance cases.

There are over 800 insurance companies that might provide coverage for someone with Long QT Syndrome, and every single one of them has different medical rating systems for their underwriting process.  Some of them will consider applicants with Long QT Syndrome more favorably than others. You have options for how you go about making sure the coverage you get is the best option. One option is to call all 800 of those insurance companies yourself. The other option is to work with an independent broker and let them do all the work for you.

That is where we come in. We are a group of insurance brokers that are independent of any one particular insurance brand. That gives us an advantage over traditional insurance agents. Since we work with many different highly rated companies, we can offer you many options to choose from, save you time and money, and make sure you get the best coverage for you.

Not all insurance companies will approve those who are affected by Long QT syndrome. As an expert in high risk cases, we know know which insurers to turn to for your case – ultimately increasing your chances for approval. We will also submit a cover letter with your application that can help explain your individual situation and increase the chances of an approval.

Guaranteed Life Insurance

If you have any questions about getting life insurance as a high-risk applicant, please contact one of our agents right away. Our job is to get you answers and help you find the best insurance product possible. If you’ve been declined for life insurance, you may assume you can’t be approved for protection. That just isn’t true. Don’t give up. There are many options for getting life insurance. One option is to buy a guaranteed acceptance life insurance.

These plans will accept you for life insurance, regardless of your health or any pre-existing health problems you have. There are no health questions and no medical exam required for these plans. All you have to do is answer a few basic questions about yourself, and then you have life insurance.

There are a couple of disadvantages of these plans you should be aware of before you buy life insurance. It’s vital you compare all of the pros and cons of each plan. The most notable drawback of these guaranteed issue plans is they are going to restrict how much coverage you can buy. Most insurance companies will you allow you to get around $25,000 worth of insurance. For most household, it won’t be nearly enough coverage.

Another disadvantage to these policies to these policies is they typically cost much more than traditional policies. Without the medical exam or the health questions, the insurance company is taking a greater risk to give guaranteed life insurance. They have to offset the risk by charging higher premiums for those who have the guaranteed coverage. If you want the lowest rates, you need to apply for a traditional policy with a medical exam.

One of the benefits of a guaranteed policy is you can get approved for insurance much faster than you can with a normal policy. If you purchase a guaranteed issue, you can get life insurance in a matter of minutes. If you apply for a traditional policy, you could wait up to two months.

Bottom Line

It is not impossible to get life insurance as a person with Long QT Syndrome. It might be more difficult, but not impossible. Our independent agents are waiting for you to contact us so we can help you get the answers you need and the best plan for your loved ones.

We all have the option to simply do nothing and keep hoping our family will be ok if something happens to us. But that would be very irresponsible – especially if we have debt or if our family is in any way dependent on our income to pay the bills. Life insurance provides you the peace of mind that your family can mourn your loss without the burden of financial stress. Don’t wait another day to get that peace of mind.

If you would like to get a quote for life insurance with Long QT Syndrome, call us at 888-552-6159 or fill out the form on this page. 

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Doug Mitchell

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Comments (2)

  1. David Peters says:

    I have tested positive for the Long QT #3 syndrome but have had no symptoms of it.

    1. Liran says:

      It was nice speaking with you earlier David – based on our conversation I think we can help you get approved.

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