Aortic stenosis is a cardiac condition in which the aortic valve narrows, restricting blood flow from the left ventricle into the aorta and forcing the heart to work harder. Over time, it can lead to chest pain, shortness of breath, syncope, heart failure, and increased risk of sudden cardiac death. Causes include age-related calcification, congenital bicuspid valve, or rheumatic disease. Treatment ranges from medical management and monitoring to surgical valve replacement or transcatheter aortic valve replacement (TAVR). For insurers, aortic stenosis represents significant cardiovascular risk, particularly when symptomatic or untreated.

Underwriters evaluate aortic stenosis by reviewing echocardiogram reports, cardiology notes, and details of any valve interventions. Severity is graded based on valve area, pressure gradients, and left ventricular function. Mild, stable disease with regular follow-up may receive limited, rated coverage, while severe or symptomatic disease often leads to postponement or decline until after successful valve replacement and recovery. Advisors working with clients who have aortic stenosis help gather complete cardiology records and may recommend waiting until post-surgery stability is documented. Understanding aortic stenosis helps advisors manage expectations, communicate risk factors clearly, and explore alternative coverage options when necessary.