Heart Valve Regurgitation Life Insurance
If you’ve been diagnosed with heart valve regurgitation, you might be concerned about the complexities of securing life insurance. It is understandable that the prospect of finding cover can feel daunting. At Your Life Protected, we understand your worries, and our expertise lies in assisting individuals with pre-existing conditions, by finding suitable, affordable policies for their individual needs. We’ll guide you through the process with honesty, transparency and clarity.
Understanding the Impact of Heart Valve Regurgitation on Life Insurance Applications
Heart valve regurgitation, also known as heart valve incompetence or leakage, can present some unique challenges when applying for life insurance. Here’s why:
- The Perception of Increased Health Risks: Heart valve regurgitation can be a sign of an underlying condition or often progress to complications if untreated. Insurers will likely increase premiums to cover off the additional risk involved.
- Severity and Progression: Insurers will be interested to learn the specific nature of your condition, including the severity and progression.
- The Complexity of Treatment: The treatment plans can vary greatly, and some clients may be on long-term medication, whilst others may have had or require valve replacement or repair.
- Confusing Jargon: The medical jargon and requirements can be complex and confusing, leading clients to feel they are unable to complete an application on their own.
Heart Valves Affected by Regurgitation
There are four valves within the heart which can be affected by regurgitation. The most commonly affected are the Aortic and Mitral valves:
- Aortic Valve Regurgitation: This is a condition where blood flows backwards from the aorta into the left ventricle. This can cause the heart to work harder to pump blood to the body and may require medical intervention.
- Possible Causes: Aortic regurgitation can be caused by congenital issues present from birth, issues with connective tissues, high blood pressure or infections like rheumatic fever.
- Mitral Valve Regurgitation: Is where blood flows backwards from the left ventricle into the left atrium. This can cause shortness of breath, and tiredness as the body struggles to pump blood to where it needs to go.
- Possible Causes: Mitral regurgitation can be caused by structural abnormalities present from birth, damage to the heart from a heart attack, or other conditions such as rheumatic fever, or endocarditis (infection of the inner lining of the heart).
- Tricuspid Valve Regurgitation: The tricuspid valve is located between the right atrium and right ventricle, and regurgitation here means that blood flows backwards from the ventricle to the atrium. It is less common than Mitral or Aortic Regurgitation.
- Possible Causes Tricuspid valve regurgitation can be caused by pulmonary hypertension, endocarditis, trauma or Ebstein anomaly.
- Pulmonary Valve Regurgitation: This affects the valve between the right ventricle and the pulmonary artery and may cause shortness of breath and fatigue. This is the least common type of regurgitation.
- Possible Causes Pulmonary valve regurgitation can be caused by structural abnormalities present from birth, or conditions such as tetralogy of Fallot or pulmonary hypertension.
How Your Life Protected Can Simplify Your Search for Cover
We are dedicated to finding the right insurance solutions for those with pre-existing health conditions, including Heart Valve Regurgitation. Our goal is to remove the stress, confusion and frustration that clients often face. We offer you:
- In-depth Expertise: Our team has a thorough understanding of life insurance policies and the underwriting rules that surround them.
- Wide Market Access We work with all the major UK insurers, as well as a range of specialist providers. This allows us to secure the most appropriate cover for your circumstances.
- Personalised Support: We take time to listen to every individual and provide cover tailored to your specific needs.
- No-Obligation Quotes Our service is completely free, and there is no obligation to proceed with a policy once you have received a quote.
- Straightforward Applications: We make the application process as simple and easy as possible.
Common Questions Asked About Heart Valve Regurgitation During an Application
When applying for life insurance with a history of heart valve regurgitation, insurers will likely ask you about:
- Valve Affected: Which heart valve is affected by regurgitation?
- Date of Diagnosis: When were you diagnosed with your condition?
- Severity: What is the severity of the regurgitation (mild, moderate, or severe)?
- Symptoms: What symptoms do you experience, if any?
- Cause: What is the underlying cause of the valve regurgitation?
- Treatment: Are you undergoing any specific treatments?
- Medication: Are you currently taking any medications for the condition?
Ready To Get The Right Cover?
Don’t let concerns about heart valve regurgitation prevent you from getting the life insurance you need. Reach out to Your Life Protected today for clear advice, expert guidance, and a free, no-obligation quote.