A heart murmur is an extra or unusual sound from turbulent blood flow heard during auscultation.Murmurs can be benign (innocent/physiologic) or indicate structural heart disease such as valvular stenosis or regurgitation. Evaluation may include echocardiography to grade severity and assess ejection fraction. Underwriting focuses on diagnosis, severity, symptoms, and treatment; stable,mild findings often qualify for standard or better classes.

Advisors obtain echo reports showing valve severity and ejection fraction. Innocent murmurs with normal echoes often qualify well; significant lesions may drive ratings or postponement pending treatment.