Life Insurance Approval with History of Blood Clots

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It is not impossible to be approved for life insurance after having a blood clot, although many variables must be considered.  At Huntley Wealth Insurance, we specialize in life insurance for impaired risk cases such as blood clots, so if you want a personalized quote, call us at 877-996-9383.

Of course, the main concern with blood clots is that a piece may break off, flow to the brain, and cause a stroke.

Standard of Better Approvals

In the best case scenario, if you had just one occurrence of a blood clot, small, which was treated with a blood thinner such as Coumadin.  In many cases the clots dissolve after 6 months to a year.  Once your doctor confirms the clot is gone, you may be able to qualify for preferred rates, and possibly the best health class rating as soon as 2 months after the clot is confirmed gone.

If your clot was treated with a clot buster, a catheter-directed thrombolysis, or thrombectomy, which is the surgical removal of a clot, you can still qualify in many cases 2 months after successful treatment.
The good news is that blood clots are among the most preventable types of blood conditions, so if you manage the risk factors, the insurance carriers are willing to take a fair look at insuring you.

The next best scenario is if your clot has not yet resolved, but is a small clot, and in a safer location, such as a clot in the Leg, Arm, or Pelvis.  The most common client I get with a history of clotting had a clot in his or her leg.  While there are few companies willing to make an offer with a current clot, there are insurance carriers who will consider.

Best Chance for Life Insurance Approval

You’ll be a much better life insurance prospect if you exercise regularly and are in good shape.  That’s because obesity and lack of physical activity are two key risk factors for venous clots.
Another risk factor is smoking cigarettes, so non smokers are more likely to be approved with blood clot history.  Of course, a person with well controlled blood pressure and good cholesterol levels are also lower risks than those with elevated levels.

Blood Clot in the Lung

When a piece of a deep vein thrombosis that starts in the leg, or less commonly the arm or pelvis, breaks off, it flows through the circulatory system until it gets lodged somewhere.  It commonly stops in the lung, known as a pulmonary embolism and is life threatening.

No insurance companies will offer insurance until it has been dissolved, except perhaps a graded death benefit policy.  Even if it has been dissolved, it may be difficult to be approved for life insurance if you have had multiple clots.

Managing the High Price of Life Insurance

If you do get insurance after multiple clots, the cost may be very high, particularly for a permanent type of policy such as universal life or whole life insurance.  You might consider purchasing a shorter term solution in this instance, such as 10 year term or 15 year term to keep the cost down, with the goal being that the longer it has been since your last clot dissolved without reoccurrence, you may be able to qualify for a better rating down the line.

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