If this is your first visit, be sure to check out the FAQ in HCMA Announcements. You may have to register before you can post: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Your Participation in this message board is strictly voluntary. Information and comments on the message board do not necessarily reflect the feelings, opinions, or positions of the Hypertrophic Cardiomyopathy Association. At no time should participants to this board substitute information within for individual medical advice. The Hypertrophic Cardiomyopathy Association shall not be liable for any information provided herein. All participants in this board should conduct themselves in a professional and respectful manner. Failure to do so will result in suspension or termination. The moderators of the message board working with the HCMA will be responsible for notifying participants if they have violated the rules of conduct for the board. Moderators or HCMA staff may edit any post to ensure it conforms with the rules of the board or may delete it. This community is welcoming to all those with HCM we ask that you remember each user comes to the board with information and a point of view that may differ from that which you hold, respect is critical, please post respectfully. Thank you


No announcement yet.

Where to get life insurance with HCM?


About the Author


mrdonpan Find out more about mrdonpan
  • Filter
  • Time
  • Show
Clear All
new posts

  • Where to get life insurance with HCM?

    Hello group!

    I've been diagnosed with HCM for 15 years and i have an AICD. I'm 35 and just had a baby girl! I will be checking her regularly, but my questions is for those who are in my situation, how did you go about getting Life Insurance?

    I want a $2million policy and willing to get a $1 million policy 30 year term. I've been quoted +$1000 a month.

    If you have recommendations then please advise.


  • #2
    Re: Where to get life insurance with HCM?

    I know some have posted firms that do this. Hopefully, they'll respond. I always suggest that if you work, check with your employer if your life insurance policy is portable. Many are. Not sure how the premiums compare, but these policies are issued by firms and almost never have any healthcare questions. Sometime if you purchase additional insurance through an employer, they may ask - not sure about that, but I don't recall if they did.
    Diagnosed @ 48
    Saw Dr. Michael Debakey @ age 5 - "He's fine, just a little noisy"
    Father to 3 boys 22, 25, 29 (all currently clear - pending genetics)
    AICD - Valentines Day '08, Spark Plug replaced 11/14
    After much research, I had a Myectomy @ Mayo for my 50th Birthday '08
    Quietly going insane . . .


    • #3
      Re: Where to get life insurance with HCM?

      About 15 years ago, when my first child was born, I obtained a 30 year, $400,000 term policy through selectquote.com. I completed the health form questionnaire and received several quotes. Obviously those quotes were much higher than what a traditional, low risk applicant would receive. I ultimately chose the quote of just over $200 per month. It's definitely pricey but gives me piece of mind and supplements the coverage I have through my employer.
      Diagnosed with HCM in 1992
      Myectomy at Johns Hopkins in April 2013


      • #4
        Re: Where to get life insurance with HCM?

        Got all we could from employer based plans, and kept the plans.