Written By: Chris HuntleyReviewed By: Rachael BrennanUPDATED: Mar 24, 2021Fact Checked

Yes, you can still be approved for life insurance at good rates after having a pulmonary embolism or PE.  Your best rating will be preferred if the occurrence was more than 5 years ago and depending on the risks of recurrence.

A pulmonary embolism is a blood clot in the lung, usually caused by a blood clot coming loose from the leg.  Its most common treatment is medication Coumadin.

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This inhibits vitamin K, decreasing the coagulant ability in the blood, which commonly dissolves the clot, and also reduces the risk of additional clots forming in the legs. Most blood clot/embolism cases will fall around standard due to the pre-existing medical condition.

Affordable Insurance After a Pulmonary Embolism

Again, the details of each specific case will be important, such as how long ago the clot was found, what treatment was used, risks for recurrence, and provided that the proposed insured has a normal pulmonary function, i.e. He or she should be able to exercise without any lung problems.

The severity of the clot will also be a factor.  For example, what amount of the lung was affected?  If it was merely a small sub-segmental PE, it’s possible that no treatment was recommended at all.  As far as mortality goes, there is only a 26% chance of mortality if the PE is left untreated.

Of course, the absence or presence of co-existing medical conditions will also be important for any life insurance underwriter to consider.

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Since every case is specific to the person’s unique medical history, your best bet is to apply with the carrier whose price is cheapest and see how the offer comes back. Once they have an offer, a good independent agent will ask why that offer was made.

For example, if you got standard, I would find out why, because I could take that information and possibly get a better offer from a different carrier.

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I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Written by Chris Huntley
Founder of Huntley Wealth & Insurance Services Chris Huntley

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan