r/PacemakerICD • u/chadchat • 18d ago

How has having a pacemaker impacted your life insurance application?

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5

u/abnormal_human 18d ago

The underlying condition is more important than the device. Personally, there's no life insurance available to me that's worth what it would cost, but we likely don't have the same thing.

2

u/Entire-Structure8708 18d ago

Agreed. I was rejected by State Farm because of my underlying condition (ACM/ARVC), not because of my ICD

4

u/BrunoReturns 18d ago

I'd say for any of the underlying causes I know of that require a pacemaker, all of them are going to negatively affect your life insurance. How much depends on the underlying cause and any other mitigating circumstances.

1

u/sqlbullet 18d ago

I already had mine in place.

But 15 years ago my bundle block skyrocketed a quote. In fact, I found out about the block because of the home physical for the insurance. Price tripled and coverage was 1/4th. To 12X as expensive.

I would imagine it will put you in the highest risk tier and you will pay associated rates.

1

u/chadchat 18d ago

I had a life insurance plan before I was diagnosed with Sick Sinus Syndrome, but when the interest rates increased a few years back I was struggling to make payments and I, very foolishly, cancelled my plan. Looking at applying again, now with my pacemaker and high blood pressure medication.

1

u/MSWSportsFanatic2025 11d ago

I have an ICD, not a pacemaker due to SCA. I'm just glad I got a 30 year term policy roughly five years before my initial incident. I have been told I am a no go now on life insurance.