Abdominal Aortic Aneurysm Life Insurance

Abdominal Aortic Aneurysm Life Insurance

The aorta is the largest artery in the body. It arises from the heart at the aortic valve as the ascending aorta. The ascending aorta then turns, forming an arch, and descends through the diaphragm into the abdomen. After passing through the diaphragm, it is called the abdominal aorta.

Disease in the descending and abdominal aorta is much more common than in the ascending aorta and will be due to atherosclerosis with the associated risk of Coronary Artery Disease (CAD). Atherosclerosis is vascular disease due to lipid and calcium deposition in arterial walls;
the layman’s term is “hardening of the arteries”. The disease leads to narrowing (stenosis) or dilation (aneurysms) or tearing (dissection) between the layers of the arterial wall.

Ultrasound and CT scanning are excellent ways to measure aortic aneurysms and dissections. Simple physical examination of the abdomen is a good screening method for abdominal aortic aneurysm which can be detected as an enlargement or by a bruit. Due to the high mortality of
ruptured aortic aneurysms, surgery is done when the aneurysm is 5-6 cm. in size.

Aortic disease (aneurysm, dissection, etc.) due to connective tissue disease (such as vasculitis, arteritis, Marfan syndrome and others) or syphilis would be declined if present; after surgical repair individual consideration is possible.

Underwriting consideration:

  • Atherosclerotic disease of aorta No aneurysm, no claudication or symptoms
  • Non-rated-Table B
  • Aneurysm, 4.5 cm or less, stable for at least two year
  • Table F-H
  • Aneurysm, over 4.5 cm or stable less than two years Decline
    Operated, full recovery
  • Table C

Please provide your life insurance broker or agent the following details and information about your condition, to obtain a quick quote.

  • 1.) Date of diagnosis
  • 2.) Have you had any of the followin tests or treatment plans, if yes note dates and size
  • Ultrasound:
    CAT Scan:
    Surgery:
  • 3.) Has the aneurysm been stable in size 2 years or more?
    If yes please give details
  • 4.) Do you have any of the following issue:
    pain in the legs while walking
  • hypertension or high blood pressure
    coronary artery disease
    elevated cholesterol
    diabetes
    cerebrovascular disease
  • 5.) Current Medications, and do you smoke?