How To Get Life Insurance After Having An Aneurysm

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Updated: 18 May 2024
Written by
Bob Phillips
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We’ve done extensive research on the subject of life insurance for those with an aneurysm, and gathered data and information in this article that should be helpful to you.

Medical progress as well as a greater understanding of an aneurysm has changed the life insurance landscape.  These days, numerous insurers offer both term life insurance and whole life options for those who have or have had an aneurysm.

We’ll take a look at both of those along with other options, furnish a few pointers on how to qualify for life insurance with an aneurysm, tips about coverage details, and more along those lines. Our goal is to offer assistance to anyone who wants guidance in selecting the right life insurance coverage for their individual needs.

Key Takeaways

  • Life insurance premiums are usually higher if you have a history of aneurysm

  • Underwriting for aneurysm might be more complicated and intensive than standard applicants

  • Life insurance for individuals with aneurysm is available but might be more costly

Can You Get Life Insurance After Having An Aneurysm?

Yes, in all probability you can. Much depends on the severity and type of the aneurysm. Before modern progress in the field of medicine, people with an aneurysm were often denied insurance coverage. But now, because of the advancement of medicine and better knowledge of this condition,  numerous leading insurance providers will offer term life as well as whole life insurance coverage for people who have or have had an aneurysm.

While it’s a positive that life insurance is available these days for most individuals who have experienced an aneurysm, the truth is that not all insurers offer this coverage, and even some that do might not approve your application.

Approval is given on a case-to-case basis for aneurysms. But a lot of insurance carriers have seen the need for life insurance to cover individuals with an aneurysm, and are offering policies to them.

Life insurance for those with an aneurysm might be more costly than standard issue, depending on a variety of factors such as: lifestyle, general health, and your family medical history. Another element that will be scrutinized is how compliant you are with keeping doctor’s appointments along with following your physician’s orders.

Important: Life insurance after having an Aneurysm is available, though the coverage might be limited and potentially more expensive.

How Does An Aneurysm Affect Life Insurance Eligibility?

A diagnosis of Aneurysm doesn’t mean you cannot secure life insurance. There are treatments and medications available to treat many types of aneurysm with a good prognosis.

Much of your future health is up to you and how compliant you are with your doctor’s advice about keeping your condition well managed.

One thing to note is that if you had life insurance in force before having an aneurysm, your premiums may go up upon policy renewal.

Traditional life insurance may not be available to everyone with an aneurysm, but insurers do exist that offer insurance products designed for specialized conditions. These providers may offer traditional life insurance to applicants with an aneurysm, provided their condition is well-managed.

You might get approval for group or guaranteed issue life insurance, also. For example, if you have group insurance through your workplace or organization, you can probably secure life insurance.

Individuals diagnosed with an aneurysm might consider conducting a little research to obtain knowledge about how applications for life insurance work. It could be a challenge to find your way through all of the unfamiliar terms of insurance, but the financial protection, security, and peace of mind these policies give you is invaluable.

Those with an aneurysm who had a life insurance policy in effect before they were diagnosed with an aneurysm can’t have their policy canceled due to that diagnosis. This underlines how important it is to secure life insurance coverage as soon as you can.

Tip: A life insurance policy can’t be rescinded or have the rates raised if your Aneurysm is diagnosed after the policy has been issued.

What Do Life Insurance Companies Consider When Someone With An Aneurysm  Applies For Coverage?

Individuals with an aneurysm might not qualify for the best coverage or lowest premiums, yet still might qualify for standard rates with some insurers. Standard rates are usually for people with a well-controlled or moderate health condition, or those who have no significant family history of serious medical conditions such as cancer or heart disease.

You might pay higher premiums than someone without an aneurysm, but you should still be able to secure competitive rates with numerous insurance carriers, depending on the type of aneurysm along with other factors.

When individuals with an aneurysm apply for life insurance, there are quite a few key elements that underwriters will consider. Life insurance for high-risk applicants is considerably more complicated than for someone enjoying  average good health.

In all probability, the first thing an insurance underwriter will ask about is how well your aneurysm is being managed. They’ll look at your medical records to review your symptoms and treatments. If your medical history shows that your condition is stable, it may boost your chances of being approved for coverage.

Your daily lifestyle plays a big part in underwriting, also. Insurance providers will do an assessment of your health and lifestyle habits, such as alcohol consumption, drug use and smoking. A healthy lifestyle has a favorable effect on your application. Your gender, age, and family medical history will all be considered, too.

The most important factor if you have an aneurysm is that when it comes time to purchase life insurance, it must be well controlled. Your prognosis for the future, current health conditions, and diagnostic tests all play a role in whether or not a company will approve life insurance for you.

Life Insurance Underwriting Process For Aneurysm

A basic, no-frills knowledge of the insurance underwriting process might be of aid when you’re looking around for life insurance and have had an aneurysm. Here are five steps in the underwriting process:

  1. Medical Examination: A medical exam is the initial step in underwriting. It will help the underwriter to determine whether your application for coverage is  declined or approved. You will start with a thorough physical examination, and then the insurance underwriter will assess your condition as regards your aneurysm in particular, with the overall emphasis on your health in general.
  2. Review of Medical History: You will be requested to provide your medical records to the underwriter. The underwriter will want to know what kind of medical treatment you’re receiving or have received, along with how your health is post-aneurysm.
  3. Lifestyle Evaluation: Your lifestyle choices will be of interest to the  underwriter, too. This means that habits like drug use, smoking and alcohol consumption will need to be disclosed. You should know that a healthy lifestyle could have a positive influence on your application being approved.
  4. Risk Assessment: The underwriter will gather all of this information as well as the results of your physical examination, and then make an informed risk assessment of issuing insurance on your life. If you are approved for coverage, a positive assessment by the underwriter may affect the cost of your premiums.
  5. Policy Issuance: Once you get through underwriting without being denied coverage, the insurer will probably offer you life insurance coverage. Based on the underwriter’s assessment, your insurance policy might have higher rates or exclusions.

Best Type Of Life Insurance If You Have An Aneurysm

What types of life insurance are open to someone with an aneurysm? Here are five types that are available:

Whole Life Insurance

Coverage for your entire lifetime is what you have with whole life insurance, plus it builds a cash value that grows over time. Whole life insurance may be a good choice for anyone living with an aneurysm because it comes with a guaranteed death benefit, and coverage never expires. Whole life insurance typically has a higher premium than term life insurance.

Term Life Insurance

Term life insurance provides insurance coverage for a specified length of time, usually between ten and thirty-five years. It’s less costly than whole life insurance, which makes it a viable option for someone with an aneurysm who needs adequate life insurance at a budget price.

Final Expense Life Insurance

Final expense life insurance, frequently referred to as burial or funeral insurance, is designed to cover end of life expenses. Final expense policies usually have lenient underwriting, which might be helpful to someone with an aneurysm and is having trouble getting approval for other sorts of life insurance.

Guaranteed Issue Life Insurance

Guaranteed issue life insurance provides coverage to basically anyone, no matter what health conditions they might have. It may be a great option for those with an aneurysm and declined by other carriers. This type is usually more pricey than some other types of life insurance, but if you’ve been denied coverage by other insurers, it might be worth the higher rates.

A guaranteed issue life insurance policy might have a Graded Death Benefit. This means that if you have an aneurysm, your policy won’t cover any health problems related to that condition for a specified period of time, normally 3 years. You might also have accidental life insurance included with your policy.

Group Life Insurance

Group life insurance is typically offered through employers or other groups/ organizations. For individuals with an aneurysm that have this option available, this may be an excellent way to get life insurance coverage without the extensive underwriting process sometimes involved with regular issue policies.

Note: Living benefit riders can also be a lifeline for Aneurysm. These optional additions to your policy can allow you to access a portion of your death benefit while still alive to help cover treatment expenses.

How To Buy Life Insurance With An Aneurysm

Following these four steps can help you find and purchase life insurance if you have an aneurysm:

Research Your Options

Your first step should be conducting some research on a few likely life insurance providers that offer coverage for people with an aneurysm. Some insurers offer term insurance along with whole life, and you should understand the importance of knowing the differences between the two prior to making a decision about which type is best for your individual needs.

Most life insurance applications will request that you share the details of your health condition. The underwriting process for an aneurysm is sure to be more intensive than standard, and could mean higher premiums, also.


Understand The Underwriting Process

Most life insurance applications will request that you share the details of your health condition. The underwriting process for an aneurysm is sure to be more intensive than standard, and could mean higher premiums.


Consider Employer Or Group Coverage

If you have access to group life insurance, it might be your best choice. Group policies typically provide insurance coverage no matter what health conditions you have, an aneurysm included. You may not even have to undergo a medical examination for group insurance.


Apply For Coverage

When you’ve made a decision about which insurer seems like a good fit, you’re ready to complete and submit an application. This might involve a lengthy health questionnaire, as well as a thorough medical exam.


Can Insurance Companies Deny Coverage To Someone With An Aneurysm?

Yes, the fact is that insurers can deny applications for life insurance coverage if you have or have had an aneurysm. In case you’re wondering if you have to divulge this information, the answer is yes, you do. Being less than honest about your aneurysm for the purpose of getting life insurance is fraud and is one of the only things a company can cancel your policy over.

It’s important to note that medical progress has advanced the treatment for an aneurysm. Besides adding to life expectancy, it means a shift in the way some insurance providers view insurability of individuals with an aneurysm.

Perhaps the main factor in whether or not an insurance carrier will approve a life insurance application, as well as how high the rates will be, is how the person with an aneurysm is doing on a day-to-day basis. The longer it has been without any problems, the more likely it is that you’ll be approved for coverage.

If you had surgery for an aneurysm, a rule of thumb with the majority of insurers is that one year has elapsed since the surgery.

How Much Does Life Insurance Cost For Those With An Aneurysm?

If you have now or have experienced an aneurysm in the past, the rates you pay may vary widely, based on the type and location of aneurysm, as well as its severity.

Average No Exam Life Insurance Rates By Age

20 Year $500,000 Policy Cost Per Year
Male Age 30 $275.00
Male Age 40 $426.00
Male Age 50 $1,031.00
Female Age 30 $230.00
Female Age 40 $279.00
Female Age 50 $641.00

The insurance underwriters will review your health, family health history, and sometimes your driving record. Those with chronic Aneurysm such as Crohn’s Disease and have test results that show evidence of current issues could still get a standard rating. On the other hand, the insurance provider could decline your application. This depends on the insurer’s underwriting rules.

You will need to submit evidence that your condition is under control and well-managed. This means you must provide the underwriter access to your medical records showing evidence of regular checkups with a doctor, along with adherence to any therapy prescribed. Things like your family medical history, your overall health, whether or not you smoke and more will be considered. .

Here is a list of things you need to have ready when you see the underwriter:

  • Description of treatment received
  • All medical test results
  • Smoking history
  • Date the aneurysm was first diagnosed
  • Cause of the aneurysm
  • Size and stability of the aneurysm
  • An APS (Attending Physician Statement)
  • Description of treatment received
  • The present condition of the aneurysm

If you have an aneurysm, a positive application may help when you’re trying to get life insurance. Show the provider that you are doing well, are compliant with keeping your doctors appointments and following suggestions for staying healthy, observing a healthy lifestyle, while living a normal life with your condition.

What Will Insurers Ask About Your Aneurysm?

You can count on there being a number of questions that are likely to be asked by the insurer when a person with an aneurysm applies for life insurance coverage. The following lists the major factors underwriters consider when processing a life insurance application from a person who currently has or has had an aneurysm:

  • Date when the aneurysm was diagnosed
  • The type of aneurysm
  • The location of aneurysm
  • Size of aneurysm
  • Cause of the aneurysm
  • Stability of the aneurysm
  • Efforts are made to control the blood pressure
  • If the aneurysm is still present
  • Any treatment received
  • The applicant’s smoking history
  • Efforts are made to control the blood pressure

Life Insurance Options If You Are Denied Coverage

Insurance companies might decline approval of coverage for an aneurysm, especially if you have chronic problems with it. But, even in that worst-case scenario, you will still have options open for life insurance.

Guaranteed Issue policies are an attractive option if you have an aneurysm and have been declined for traditional life insurance.

Group life insurance, by way of an employer or other organization, offers coverage no matter what health conditions you may have. If you’re not getting anywhere, there are specialized services online such as Insuranceopedia that can help you find life insurance coverage if you have an aneurysm.

Important: Guaranteed issue policies are an excellent option if other companies have denied your application for whole, universal, or term life insurance policies.

Here are 3 tips that might help in your search for life insurance:

Know Your Needs: You need more than just an idea of how much life insurance you should purchase. Total all of the expenses you want your life insurance to cover. Expenses such as education tuition for your children, home maintenance, vehicle insurance, health insurance, homeowners insurance— all of these and more will need to be provided. Plus you’ll want to replace your income, one of the major expenses.

Explore Policy Types: Check out Graded Death Benefit policies and Guaranteed Issue life insurance. Each of these coverage types are viable options for people with an aneurysm.

Use Specialized Services: Check out services such as Insuranceopedia, that fetches  quotes from various providers. It will help you to compare rates and find life insurance that is affordable and adequate for your particular needs.

What Is An Aneurysm?

An aneurysm is the local swelling of a blood vessel due to damage to the artery, or weakening of the artery’s walls. Blood pressure exerts a force on the weakened area of the artery, which can swell up with blood. The amount of swelling will depend on the blood pressure along with the amount of damage to the artery.

Aneurysms are extremely dangerous and can be life threatening if they burst before they can be detected and treated. Anyone can get an aneurysm, but they are most common in males and those over the age of 65.

Basically, there are two main types of aneurysms:

  1. Aortic aneurysms
  2. Cerebral aneurysms

Aortic aneurysms take place in the aorta (artery that goes from the heart down to the abdomen) and can be subdivided further into either abdominal or thoracic aneurysms.

A thoracic aortic aneurysm occurs higher up in the aorta, while abdominal aortic aneurysms are in the lower part of the aorta.

Cerebral aneurysms occur in the brain and can be fatal if they rupture. If a brain aneurysm undergoes major growth it will press up against the brain, thereby leading to various neurological symptoms.

An aneurysm is caused by a weakness in the wall of an artery. The weakness causes the artery to bulge at the weakened place. With the continual pressure of the blood circulating near the aneurysm, it can burst. If the aneurysm does burst, it will cause internal bleeding. The aneurysm may also split, which will cause bleeding within the layers of the artery wall.

Aneurysms can occur in any artery. However, they are more likely to appear in the aorta. The aorta is the main artery which brings oxygenated blood to all of the organs in the body.

Approximately 13,000 people in the United States die every year from aortic aneurysms.

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

Other Health Concerns That Can Affect Your Life Insurance

When you apply for life insurance, insurance carriers will want to know about any conditions that might affect your approval, or the cost of your premiums, for life insurance:

  • Heart Disease: A common but serious health condition that may cause higher premiums or denial of coverage
  • High Blood Pressure: Well-managed hypertension might have a slight effect on your life insurance coverage or rates
  • Alzheimer’s/Dementia: These conditions can have a sizable effect on insurability
  • HIV: With modern progress in medicine, many providers will now offer life insurance policies to people with HIV
  • Liver Disease: Conditions like cirrhosis of the liver may affect your life insurance policy
  • Asthma: Depending on its severity, asthma may affect insurance rates
  • High Cholesterol: A level over 200 might mean higher premiums
  • Substance Use Disorders: A history of drug or alcohol abuse can impact insurability
  • Depression: Mental health conditions such as depression may impact coverage
  • Cancer: Depending on the stage and type of cancer, it can affect insurability
  • Diabetes: Type 1 and Type 2 diabetes may increase your premium rates
  • Kidney Disease: Chronic kidney disease may lead to higher insurance costs
  • Stroke: A history of stroke may raise premium rates
  • Lung Disease: Chronic conditions such as COPD can bring higher premiums
  • Obesity: A higher BMI may cause insurance premiums
  • Rheumatoid Arthritis: This chronic condition can lead to more costly premiums
  • Multiple Sclerosis
  • Epilepsy
  • Bipolar
  • Breast Cancer
  • Down’s Syndrome
  • Sleep Apnea
  • Children With Autism
  • Disabilities
  • Kidney Transplant Patients
  • Digestive Diseases
  • Lupus


Can Someone With An Aneurysm Qualify For Life Insurance?

Yes. But, to a large degree, this depends on the insurance carrier and health condition, as well as the type of policy. Some insurers will approve coverage to someone with an aneurysm, while some won’t. If the aneurysm is not in the acute phase, but chronic and basically controlled, some providers will offer life insurance to a person with an aneurysm.

What Insurance Is Best For Someone With An Aneurysm?

In most cases for someone who has or has had an aneurysm, a Guaranteed Issue life insurance policy is the best choice for someone with an aneurysm.

Are People With Aneurysm Classed As Having a Critical Illness In Insurance?

Yes, an aneurysm is classed as a critical illness. Much depends on where it’s located, its size, how well a person’s blood pressure is controlled, and other factors.


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