Sometimes I get the sense that doctors are very careful about making their patients uneasy for fear they will run off and get a second opinion and forget to pay for the first one.
I have a client who had an echocardiogram last year and one of the results that was noted was an ejection fraction, more accurately a left ventricular ejection fraction of 45-50%. The LVEF is a measure of how effectively your heart muscle empties the left ventricle. While it is never 100% which would kind of leave your left ventricle gasping for blood, the average for men is generally considered to be 63-77% and women 55-75%.
From a life insurance underwriting standpoint I have rarely seen a company accept for approval any ejection fraction below 50%, a number that is considered low normal by most cardiologists. While, in the absence of other risk factors, a cardiologist might be comfortable telling their patient that they are fine with the test results, that same cardiologist is not paid to discuss mortality risk.
Bottom line. I guess doctors, no matter if they are a GP or a cardiologist, really can’t be all things to their patients. As much as I wish they wouldn’t put such a positive spin on something that is going to be declined by a life insurance underwriter, it probably won’t really register with them unless they get to go through the experience first hand.
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to.
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