We help people with heart disease get affordable life insurance.
From enlarged hearts to pacemakers, heart attacks and everything in between, let us show you why we are the best choice to help you with your life insurance.
Heart Quick Overview
Heart problems are no problem with our life insurance service. We’ll show you how our quick quote process (explained below) will ensure you receive your best life insurance rate:
The following are just a few of the heart conditions we help:
- Abdominal Aortic Aneurysm
- Abnormal EKG
- Aortic Stenosis
- Atrial Fibrillation
- Bundle Branch Block
- Coronary Artery Disease
- Heart Attack
- Heart Bypass
- Heart Murmur
- High Blood Pressure
- Mitral Valve Prolapse
Our high-risk life insurance service will make sure you get the best heart disease quotes from life insurance companies specializing in your condition.
Heart Life Insurance Underwriting
Underwriting depends on the exact heart condition(s) you have, the treatment received and your current health.
We use a quick quote process for all of our clients with heart conditions to ensure you get the best life insurance rate possible based on your medical history.
What’s a quick quote?
A quick quote is a summary of your medical history that we shop to life insurance companies specializing in your medical condition. The benefit is that you have preliminary underwriting feedback in 3-5 days from life insurance companies.
Here’s what we need to know:
Overall Health History – Do you have a history of health issues, or was the cardiac event the first health problem you’ve had?
Exact Diagnosis – What type of heart condition do you have?
Do you have a congenital heart condition, or did the heart issue occur later in life?
Treatment – Did you have heart stent surgery, medications prescribed, cardiac rehab, etc? Have you completed all treatment?
How was your heart condition treated?
Current Health – How is your current health? Do you visit your cardiologist on a regular basis?
Have you completed all follow-up testing?
Positive Steps – Have you improved your diet and exercise regimen since having the heart condition?
If you were a smoker, did you quit?
Positive factors may be used to help improve your life insurance rate.
Life Insurance Quotes
How do you get accurate quotes based on your individual health?
With the quick quote process we mentioned, we summarize your medical history and send it to life insurance companies for preliminary feedback.
The benefit is that we have feedback from all companies in 3-5 days.
What if you have a really complicated heart history?
That’s where an informal application may work better.
With an informal application, you submit your medical records to us for submission to life insurance companies.
The review process takes a few weeks to complete and at that time we’ll know which company is best.
The informal application advantage is that it is more thorough than a quick quote, but takes more time to get feedback.
Our Advice – Quick quotes work best for 95% of all applicants.
We’ll help you gather the information needed to get accurate quotes.
Once we have underwriting feedback, we’ll let you know what each company indicates in terms of underwriting and price.
You may then decide whether term life insurance, universal life insurance or whole life is the best option for you.
Important Note – Make sure your cardiac follow-up testing is current and up to date as life insurers will postpone coverage until the results are available.
If you have a family history of parents or siblings with heart disease, let us know as that could affect you with some life insurance companies.
According to the CDC, about half of all Americans have at least one of the 3 major risk factors that cause heart disease.
Rated or Declined Due to Your Heart Condition?
The first thing you should know is that only a few life insurance companies specialize in heart conditions.
And just because you were rated or declined by one life insurance company, doesn’t mean that all carriers will treat you the same way.
In fact, many of our clients found us after being declined for life insurance elsewhere.
You’ll feel confident that you have the best life insurance available after using our service.
Heart Conditions Life Insurance FAQ
The following are common questions we receive:
The type of heart condition, your age when diagnosed, treatment received and follow-up affect the availability and price of your life insurance.
Yes, it’s possible for heart patients to get life insurance. The availability and price of life insurance will depend on your individual cardiac history.
Life insurance is available after open-heart surgery. In some cases, life insurance may be available in as little as three months after a single vessel bypass.
The vast majority of people with high blood pressure are readily insurable. Life insurance companies look at your history of high blood pressure, medications you take and BP control.
Yes, you can get life insurance if you had a heart attack. Underwriters will want to see your heart attack details and post-heart attack cardiac testing before offering you life insurance.
Life insurance after a stent (angioplasty) is not a problem. The key is to have good followup testing with your cardiologist.
When you’ve had a heart condition, you’ve probably completed some form of heart testing, that may have included any of the following:
Electrocardiogram (EKG or ECG) – A resting EKG measures the electrical activity of your heartbeat. If you have an abnormal EKG, your physician may send you for additional testing.
Heart Stress Test – also called an exercise stress test, is performed while walking on a treadmill. The purpose of this test is to help diagnose coronary artery disease and heart arrhythmias.
NT-proBNP – A blood test that is increasingly being used by life insurance companies to help evaluate your overall cardiovascular risk. Elevations of this test may be indicative of a heart condition.
Echocardiogram – An echo produces images of your heart and allows your physician to see how your heart is pumping blood
As part of your follow-up routine, it’s important that you follow your cardiologist’s advice, complete all cardiac rehab and tests.
If you’re overdue to have a test done, life insurers will not offer you coverage without the test results.
Heart Conditions Conclusion
With any heart condition, it’s important to have as much detail as possible in order for us to shop for you. We’ll tell you what information we need when we discuss your health history.
Keep in mind that there is no obligation or pressure with our service. We’ll provide you with the information you need to make an informed decision about your life insurance.
Please take a few minutes to complete your quote request today.