You must do this within 60 days of the termination. If you now have health insurance through your employer, be very careful when changing jobs or policies. You may not be eligible for new policies, based on specific exclusions, or there may be waiting periods before you can receive full benefits. Life Insurance Young adults with many congenital heart conditions can usually buy life insurance without difficulty, but the cost may be higher. Term life insurance, especially if bought through a group, such as an employer, is often affordable and requires less medical information to enroll.
Insurance companies vary a lot in how they consider congenital heart disease.
Compare information from different companies before drawing conclusions about your insurability. Even if you were denied a life insurance policy as a child, reapply as an adolescent or adult. Many insurance companies will consider applications from adolescents or adults once the severity of their heart condition is known with greater certainty. Information from life insurance applications is centralized at the Medical Information Bureau, Inc., where insurance companies can see it. If you're having trouble getting insurance, you may want to have your bureau information forwarded to your doctor to verify its accuracy.