Recently someone asked me whether I could get them life insurance after a pulmonary embolism.
To me, it looked like a postponement, at least until the Warfarin treatment ended.
Some of my underwriters agreed with me but others surprised me…
Before we get to their findings let’s nail down what a pulmonary embolism is.
A pulmonary embolism is a blockage in one of the pulmonary arteries in your lung.
They almost always occurs in conjunction with deep vein thrombosis.
So in layman’s terms it’s a blood clot in the lungs.
But, two of my insurers were willing to accept an application immediately!
This shows how important it is that your broker
The cost will depend on the underlying cause, treatment and the number of episodes.
Usually you’ll get the normal price if it’s a single episode, happened over 6 months ago, and you have made a full recovery.
Get a normal price life insurance quote here.
In my client’s case above, subject to a PMA report, the premium would double until she came off the Warfarin.
Once a year has passed since the PE and she is off Warfarin, she could get the normal price providing there are no underlying issues.
Life insurance after a pulmonary embolism is possible but you might have to wait until 6 months after the attack to get the best price.
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