When looking for life insurance, there are many different factors you need to consider. If you have a pre-existing condition such as an enlarged heart, you will face some unique challenges.
What is left ventricular hypertrophy?
Left ventricular hypertrophy is defined as a thickening of the ventricular muscles or enlarged heart. It is mainly caused by high blood pressure and life insurance companies do not like to see it, because people who have left ventricular hypertrophy have hearts that have to work harder and have a higher risk of heart attack and cardiac death.
So it's no wonder that a client who recently came to me with LVH had been rejected by Genworth.
We offered the policy, and although we mostly received declines and substandard ratings, we had a company that offers a quick quote on standard!
Here is a copy of the detailed letter. I wrote on behalf of my client. I read for hours reviewing my client's medical records and reviewing his case with my medical manager to come up with our "angle".
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We wanted to admit that he, yes, he has an enlarged heart, but tell a story about why they do not need be as concerned about it as other people with LVH.  In my client's case, we pointed out his recent control of blood pressure, stress-free life, and recent dietary changes. As you read the request for trial offer, ask yourself how many agents would go through this problem for their client.
Do you think a Select Officer Agent with their sales quotas could devote this type of time to a customer? Never! Here is the email I sent to over two dozen companies on his behalf:
I have a man, 65 years old, 5 & # 39; 10 ½ 237 pounds, non-smoker. My client lives a stress-free life. He is a Canadian citizen who owns a home in FL. and stays here with his wife 6 months a year. Between them, they earn 130K per year (US dollars) and have a net worth of between 1.5M-2.0M. He is happy to enjoy his pension.
He rides a bicycle and plays tennis 5 days a week. Very active.
However, my client was rejected by Genworth on 16/12/2011 for left ventricular hypertrophy, although his APS describes it as "mild left ventricular hypertrophy".
 Examples of results of hypertrophy tests
His oak results from 2009 show:
- RVIDd – 3.21 cm
- IVSd – 1.69 cm
- LVIDd – 4.44 cm
- LVIDs – 2 , 9 cm
- LVPWd – 1.68 cm
- Ao root diameter – 3.8 cm
- LA Diam – 3.7 cm
- EF – 60%
- LVFS – 34.7%  All other values within the normal range. (many of the above values are also normal)
Echo tests have included "normal left ventricular size", "mild concentric left ventricular hypertrophy", "normal left ventricular size". systolic function ”. “The size of the right valve chamber and systolic function are within normal limits. The cavity size of the right ventricle is slightly enlarged. Mild mitral regurgitation, mild tricuspid regurgitation, mild annular calcification of mitral valve. Right atrial cavity and left atrial chamber are normal.
My client's primary problem for the past three years has been getting his blood pressure checked. In May 2011 he started meeting a nutritionist who taught him about portion control and adding 2 vegetables to each lunch / dinner, and since implementing her suggestion my client has lost 8 kg and his bp # has been under good control, with fantastic results in his check in October 2011, and again in his insurance test in November 2011, his readings were 112/66, 114/66, 116/68.
He is really excited about his diet changes, says he feels much better and feels that he has finally turned around to get his BP under control. He has also been taking Altace to control bp for many years, a very low dose. We argue that because BP is the primary risk factor for LVH, since he now has this under control, he does not have a high risk of LVH deteriorating.
We also claim that he has a super low dose of bp medicine, only 2.5 mg Altace. If his doctor was really worried, he would increase the dose.
Existing health conditions?
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Other information on life insurance with an enlarged heart
Other relevant details:
- In April 2009, the hospital was viral pneumonia and had an episode of atrial fibrillation. It was temporary and immediately resolved, and records show that it was resolved. In June 2009, no atrial fibrillation or murmur was detected.
- Father died of heart disease at the age of 55. Mother lived to 90 years, died of natural causes. 1 sibling is 69 in excellent health.
- Dx with fatty liver 2009. Labs from 6/2009 show Hgb: 138, MCV: 90, RAD: N, AST: 68, ACT: 246, GGT 149, ALK phos: N
- Cholesterol under good control, carbon / HDL ratio was 4.82 per September 2010 and 4.67 in October 2011.
- Drinks on average 2 alcoholic beverages per day
- Uses inhaler for asthma as needed – needs it about once every 1 to 2 years on average.
- His other Rx is Novo-Naprox for daily tennis pain
- He will be in FL for the next 5 months so there will be no problems with his app in the US. or having delivered it in the US
- He wants a Canadian company to be advantageous for tax reasons (corp. is his family business)
- Right bundle branch on ECG from 2009. Does not have a bundle branch block in current ECG taken for life. degree.
Remember that many of his results looked inflated in April 2009, as he was in critical condition with viral pneumonia. He has been stable in all respects since he recovered.
He's looking for a $ 200,000 political guarantee. UL, either 10, 15 or 20 salary policy. We compete with an offer from a company in Canada and we have to get a standard offer or better to win the deal. The total premium for this case will be around 6,000 to 7,000 euros per year. Click on the link below!
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