Your heart sends out electrical signals, telling your heart muscle to contract. If your heart does not receive the signal as it should, you may have a bundle branch block.

Bundle branch blocks are designated as either right bundle branch blocks or left bundle branch blocks. In addition to Left or Right, your bundle branch block may be considered to be a complete bundle branch block or an incomplete bundle branch block.

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Right Bundle Branch Block:

A Complete Right Bundle Branch Block is a common EKG heart irregularity. From a life insurance underwriting standpoint, a "complete right bundle branch block" is a non-issue for life insurance underwriters as long as it wasn't just discovered on your paramed exam EKG.

An Incomplete Right Bundle Branch Block is also a common EKG heart abnormality and is a non issue for life insurance underwriters.

Left Bundle Branch Block:

Left bundle branch blocks may present some problems from a life insurance underwriting standpoint. The reasons why are:

A left bundle branch block may interfere with EKG readings to the extent where the left bundle branch block may hide other heart problems.

More importantly, a left bundle branch block may or may not be an indicator of cardiomyopathy, coronary artery disease, or Left Ventricular Hypertrophy. You should also know that you may have a left bundle branch block and not have any of the above heart issues.

If you are aware of the left bundle branch block and have had a complete cardiac workup, it may be possible to obtain life insurance with no additional table rating.

Otherwise you may be looking at standard life insurance rates plus an additional 50% - 100% extra.

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If there is an underlying heart problem, we can revisit multiple life insurance companies once we know exactly what your heart issue is.

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LifeInsuranceAdvisors is the #1 source for impaired risk life insurance underwriting, and know how to work with you based on your EKG results.

If you need term life insurance, universal life insurance or whole life insurance, we can help you.

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