We help people with heart disease get affordable life insurance
From enlarged hearts to pacemakers, heart attacks, and everything in between, we can help you.
- Abdominal Aortic Aneurysm
- Abnormal EKG
- Aortic Stenosis
- Atrial Fibrillation
- Bundle Branch Block
- Coronary Artery Disease
- Heart Attack
- Heart Murmur
- High Blood Pressure
- Mitral Valve Prolapse
Our high-risk life insurance service makes sure you get the best rate from companies specializing in heart problems.
Heart Life Insurance Underwriting
About half of all Americans have at least one of the 3 major risk factors that cause heart disease according to the CDC.
The good news is that most people are insurable soon after cardiac treatment.
Underwriting depends on the exact heart condition you have, the treatment received, and your current health.
You’ll receive preliminary underwriting feedback in days from our quick quote process.
What’s a quick quote?
A quick quote is a medical history summary shopped to life insurers specializing in your heart condition.
Here’s what we need to know:
- What was your exact heart condition diagnosis?
- How was your heart condition treated?
- Have you completed all tests and treatment?
- What is your current health?
- Have you made positive lifestyle changes since treatment?
- Do your parents/siblings have a history of heart problems?
- If you were a smoker, did you quit?
Positive factors are used to get you a better life insurance rate.
Important Note – Make sure your cardiac follow-up testing is up to date as life insurers will postpone coverage until then.
Life Insurance Quotes
How do you get accurate quotes based on your health history?
With the quick quote process previously mentioned,
We summarize your medical history and send it to life insurance companies for preliminary feedback.
The benefit is that we have underwriting feedback 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.
Also, life insurers will only review informals for coverage amounts of $2 million or greater.
Our Advice – Quick quotes work best for 95% of all applicants.
We’ll help you gather the information needed to get 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.
If you have a family history of parents or siblings with heart disease, let us know as that could affect your rate.
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 type of heart condition, your age when diagnosed, treatment received and follow-up affect the availability.
Yes, it’s possible for heart patients to get life insurance. The availability depends on your individual cardiac history.
Life insurance is available and may be available in as little as three months after a single vessel bypass.
Life insurance is available for high blood pressure. Life insurers look at your history, medications, and BP control.
Life insurance is available after a heart attack. Underwriters look at the heart attack details and cardiac testing.
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 of the following tests:
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 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 shows how your heart is pumping blood.
As part of your follow-up, it’s important that you follow your cardiologist’s advice, complete all cardiac rehab and tests.
Life insurers will not offer you coverage if follow-up tests have not been completed.
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.
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.
by Michael Horbal – Updated on January 18, 2021