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Life Insurance After an Aneurysm

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If you’ve had an aneurysm before, the last thing you want is to be told you’re denied coverage for life insurance.

Experiencing a serious health condition like an aneurysm may alert you to the importance of owning life insurance, especially if you didn’t have it before. You might be worried about what will happen to your spouse and children if you have were to another aneurysm. Life insurance after an aneurysm is possible in most cases, but, unfortunately, it’s not as simple as applying and getting approved.

Moving forward, you have to divulge the fact you have had an aneurysm when applying for life insurance. If you neglect to disclose the information, you may be prevented from ever getting life insurance. And by disclosing this information, you should probably expect higher rates, too.

Rest assured it is possible to get life assurance at a competitive rate even if you have an aneurysm. The right insurance agent will help you compare prices and find a life insurance company who is familiar with your situation. The peace of mind you’ll get from purchasing life insurance can help you live the rest of your life happily and comfortably.

The Importance of Life Insurance After an Aneurysm

An aneurysm is caused by weakness in the walls of the artery. The weakness causes the artery to bulge at the weakened location. With the continued pressure of the blood circulating near the aneurysm, it may rupture. If the aneurysm bursts, it will cause internal bleeding. The aneurysm can also split, causing bleeding within the layers of the artery wall.

Aneurysms can occur in any artery. However, they are most likely to appear in the aorta. The aorta is the main artery which brings oxygen-filled blood to all of the organs in the body. About 13,000 people in the U.S. die each year from aortic aneurysms.

Many people don’t realize they have an aneurysm until it bursts. According to the Mayo Clinic, some symptoms of an un-ruptured aneurysm are:

Acute pain behind and above the eye

  • One dilated pupil
  • Vision changes
  • Double vision
  • Numbness or weakness of half the face

Once the aneurysm ruptures, you may experience:

  • A severe headache
  • Nausea
  • Vomiting
  • Stiffness in the neck
  • Seizure
  • Fainting

An aneurysm doesn’t always rupture, and there are treatments available for the condition. If the aneurysm is found in time, an individual may be treated with surgery or medications. Lowering the blood pressure to relax the blood vessels can lower your risk of rupture, too.

If you’re looking for life insurance after you’ve had an aneurysm, we know what you’re going through. We will help connect you with the right life insurance company who won’t immediately deny you because of your condition. We will even help you get a great rate.

While it is potentially fatal, we understand the nuances of the different stages of an aneurysm, and it’s treatments. This greatly aids in our ability to secure top notch premiums on your behalf.

Applying for Life Insurance After Experiencing an Aneurysm

You don’t have to hide your medical condition or avoid a physical examination if you have had an aneurysm. Most people will still be able to obtain traditional life insurance coverage. However, it’s important to work with a company who is used to working with high risk cases.

Some companies are more lenient than others when it comes to these types of medical conditions.

When you apply for life insurance, the agent will ask you questions about your health and treatment. Some of the questions you may be asked are below.

1. Have you had surgery to correct the aneurysm?

If surgery was successful, you may receive a better rating. More recent surgery may worsen your ratings. If the surgery was performed several years ago, the condition may be considered to be controlled, and your rating will improve.

2. When were you diagnosed?

If you were diagnosed recently, the condition may still be very unstable. The longer ago you had an aneurysm, the more information you may have about its dangers, as well as treatment regimen recourse actions.

3.  Have you experienced any recent symptoms? 

Severe and acute symptoms may indicate your aneurysm is more likely to rupture.

4.    Do you follow up with your doctor regularly?

Life insurance companies like to see you are preventing any further risk associated with your condition. Any positive lifestyle habits you undertake will be seen as a less risky indication.

5.    Have you had undergone any tests related to the aneurysm recently?

The more information the life insurance company has about your condition, the better they are able to assess your rating.

Results Commonly Obtained

Ideal Result – The best outcome for someone with an aneurysm who has not had it surgically corrected and has no symptoms is a rating of Mild Substandard. This rating is usually given to an individual who is in relatively good health but might have one insignificant health issue.

If Aneurysm has been operated and the symptoms controlled and there are no risk factors like diabetes or hypertension are present, most cases have a “Medium Substandard” rating.

Moderate Result – Someone with an un-operated aneurysm who is managing symptoms well and taking measures to prevent a potential rupture will usually qualify for a Medium Substandard rating.

Worst Case – An individual who has experienced recent severe complications or symptoms will generally receive a Severe Substandard rating. If the person doesn’t qualify for any of these ratings, a graded death benefit may be offered. This allows for a reduced amount of coverage to be paid out within a few years following the issue date.

This policy type is a last resort kind of policy, and all other options should be exhausted first.

To put this into perspective, consider people in outstanding health usually get a rating of Preferred Plus, and those with an average life expectancy get a rating of Standard. The premium for a Mild Substandard rating might increase by 50% of the Standard premium. If you have a Medium Substandard rating, you’ll typically pay 100% more than the Standard premium.

An individual with a Severe Substandard rating will pay about 150% more than the Standard premium. Guaranteed issue life insurance is a no-questions-asked type of plan which will cover you even if you’ve been denied.

What to Do Next

Don’t avoid looking for life insurance because you’re afraid you’ll be denied. Get a quote to find out what you might pay for life insurance after an aneurysm. If you’re not sure of your health classification, contact us for more details. You don’t have to live without life insurance just because of your aneurysm.

Let us handle the work, and help you secure the coverage your family needs from you.


Jason Fisher

Jason Fisher is the founder and CEO of, LLC. and a multi-state licensed life insurance agent who has helped over a million Americans seek out affordable coverage, compare quotes, or get their family and businesses covered.

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