A heart murmur is a common sound heard between heartbeats. It results from the turbulent flow of blood through the heart and its valves. It is often (but not always) a sign of disease. Murmurs may be harmless (innocent) or abnormal.
A person with an innocent heart murmur has a normal heart. This type of heart murmur is common in new-borns and children. Innocent heart murmurs may disappear over time or they may last your entire life without ever causing further health problems.
An abnormal heart murmur is more serious; in children it is usually caused by congenital (present at birth) heart disease. In adults abnormal murmurs are most often due to acquired heart valve problems. Prognosis and treatment will depend upon the significance of the murmur and type of valve problem present.
What information should my client provide?
Your customer should complete the General medical disclosure fast-track questionnaire.
Likely Underwriting Acceptance:
|Life Cover||Specified Illness Cover||Income Protection|
|Innocent Heart Murmur||
|Abnormal Heart Murmur||
Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.