Mitral stenosis is a narrowing of the opening of the mitral valve. It produces a low- pitched, rumbling, diastolic murmur. Most cases are due to rheumatic fever.
Arrhythmias (irregular heart beats) are common with this impairment, especially atrial fibrillation or flutter and premature atrial or ventricular contractions. Other symptoms include shortness of breath, chest pain, and heart failure.
In underwriting, mitral stenosis is classified as minimal, mild (valve opening 2.0 - 2.9 cmi, moderate (valve opening 1.1 - 1.9 cm2), or severe (valve opening 1.0 cm2 or less). Under age 15, applicants with MS are generally declined
In summary, when underwriting a abnormal lab result history, Life Insurance Solutions suggests for those persons looking for life insurance for an abnormal lab result, the following suggestions are relevant to lab exams in assessing the risk:
Mitral regurgitation, also called insufficiency, is the failure of the mitral valve to close properly, thus allowing return of blood back into the left atrium. It produces a high-pitched, blowing, systolic murmur transmitted to the axilla (under the arm). Most cases are due to rheumatic fever, mitral valve prolapse, or endocarditis (infection of the heart valve).
Some individuals with this valvular impairment never develop symptoms. Others eventually experience shortness of breath, weakness and heart failure.
This material is intended for insurance informational purposes only and is not personal medical advice for clients.
In summary, when underwriting a mitral valve history, Life Insurance Solutions suggests for those persons looking for life insurance for a mitral valve condition, the following factors are important in assessing the risk:
- date of diagnosis?
- stenosis report?
- compliance with doctor's recommendations?
- type of treatment?
- severity of stenosis?
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