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Where to get life insurance with HCM?

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  • 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.

    thanks,
    GD
    GD

  • #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.
    Marc
    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 . . .

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    • #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

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

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

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