Life Insurance for Someone with Mitral Valve Prolapse

mitral valve prolapse and life insurance

Is it possible to get standard rates on life insurance for someone with mitral valve prolapse? It depends of course, but first let’s consider what is actually happening and what effect this may have on a person.

Prolapse of the mitral valve refers to backward billowing of one or both mitral valve leaflets into the left atrium. If the valve is working properly blood will flow only in one direction through the valve. The most important complication is progressive mitral regurgitation. This is when blood leaks back through the mitral valve into the left atrium. This can create a few problems. This can cause a reduction of oxygen rich blood being pumped, which can lead to fatigue. But even worse is that if it is severe it can weaken the heart over time.

life insurance for someone with mitral valve prolapse

Each life insurer has their own risk tolerance level. So you may wish to get multiple tentative offers prior to submitting an application.

Mitral valve prolapse patients have an increased mortality rate. Life insurers will be concerned with the severity of regurgitation and the ejection fraction.

Many life insurers will not rate up for mitral valve prolapse without regurgitation since. However, they will rate up life insurance rates if there is regurgitation.