Christian
Well-known member
I've read dozens of posts here over the years relating to the difficulties in securing life insurance both before and after valve surgery. Between 1998 and 2004 my wife (who is now 33) was consistently rejected by about a dozen life insurance companies due to her mitral valve regurgitation.
She had mitral valve repair in November of 2005. She applied in June of 2006 with Northwestern Mutual life and was rejected again.
Rather than giving up, she applied with USAA (for the third time) in October of 2006 and, lo and behold, was approved yesterday for a 20 year level term policy at reasonable rates (about double what I pay as a healthy 34 year old). I guess the underwriters finally think that she'll be fine.
The point of this post is simply to say "there's hope." It took about nine years and a lot of paperwork, but we finally got what we wanted.
She had mitral valve repair in November of 2005. She applied in June of 2006 with Northwestern Mutual life and was rejected again.
Rather than giving up, she applied with USAA (for the third time) in October of 2006 and, lo and behold, was approved yesterday for a 20 year level term policy at reasonable rates (about double what I pay as a healthy 34 year old). I guess the underwriters finally think that she'll be fine.
The point of this post is simply to say "there's hope." It took about nine years and a lot of paperwork, but we finally got what we wanted.