Is your heart history stopping you from getting life insurance? It’s true that less than 10% of all companies underwrite heart problems…and that’s where our high-risk life insurance experience will help you. We know how to get you the best life insurance rates based on your medical history.
The benefit of our service is that we provide you with underwriting feedback in 3-5 days. If you tried this on your own, you would need to apply to each company individually and wait 6-8 weeks for a decision.
No Pressure Service – No one likes shopping for life insurance, we get that. With our service, you get the information you need to make an informed decision about your life insurance!
Heart Life Insurance Articles
The following are the most common heart conditions we help.
- Abdominal Aortic Aneurysm
- Abnormal EKG
- Angina
- Angioplasty
- Aortic Stenosis
- Atrial Fibrillation
- Bundle Branch Block
- Coronary Artery Disease
- Heart Attack
- Heart Bypass
- Heart Murmur
- High Blood Pressure
- Mitral Valve Prolapse
- Pacemaker
We’ll help you find the best life insurance company based on the heart condition you have.
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Heart Conditions Life Insurance FAQ
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. Additional vessels require longer postpone periods.
The vast majority of people with high blood pressure are readily insurable. Life insurance companies look at your history of high blood pressure, control of the condition, medications you take and other underwriting factors
Yes, you can get life insurance if you had a heart attack. Underwriters will want to see your medical history, 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.
In addition to your cardiac history, many other factors affect life insurance underwriting.
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 Problem?
Most people are still insurable even if you were previously denied life insurance due to heart problems.
In fact, the biggest reason why people get declined is due to working with the wrong insurance company.
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How Does Heart Life Insurance Underwriting Work?
When you submit your quote request to us, here’s what happens next.
We’ll review your quote request and will ask you additional questions if necessary.
For many heart conditions, we’ll provide you with quotes as we discuss your insurance request.
For some heart issues, we use a quick quote process that allows us to reach out to life insurers for preliminary underwriting feedback.
Important Note – Make sure your cardiac follow-up testing is current. Underwriters penalize you severely if you’ve skipped your follow-ups!
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.
Once we have underwriting feedback from companies, we’ll provide you with accurate quotes and help you decide what type of life insurance to buy.
With most heart cases, you will complete an application and paramedical exam, as well as health questions if you decide to move forward with the application process.
Please take a few minutes to complete your quote request today.
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