Underwriting for life insurance with a pre-existing diagnosis of Tetralogy of Fallot will depend on several factors in relation to your condition. Insurers may ask you the following questions:
- Are your overweight?
- What is your age?
- When were you first diagnosed with Tetralogy of Fallot?
- Do you have any other associated heart conditions?
- Have you been diagnosed with a condition like cancer, stroke or diabetes?
- What were the results of your last EKG?
- What were the results of your last cardiac stress test?
- Are you taking any medications to control your condition?
- Do you smoke?
If you have been diagnosed with Tetralogy of Fallot and are seeking life insurance cover, an insurer will want to know whether you have had surgery to correct the problem, and whether there was any heart enlargement as a result. If surgery has been performed and your symptoms are manageable with no recurring problems, it is likely that an insurer will accept you with average premiums or premiums that are slightly above average.
If you have not had surgery, or if there are other underlying health conditions, an insurer may decline your application or offer you cover with a high premium due to the associated risks with your condition. Most insurers will request access to details of medications you are taking and other medical details. Ratings for life insurance following a Tetralogy of Fallot diagnosis can vary depending on a person’s individual circumstances, so contact us at The Insurance Surgery, where we can help you find the right cover and insurer for your requirements.