Have you had angioplasty and need life insurance? We can help.
Angioplasty, also known as Percutaneous Transluminal Angioplasty (PTCA) is a common heart condition.
Angioplasty is the process of having a balloon-like device inserted into your artery.
The device is advanced in your artery to the area where the artery is obstructed.
The device is expanded and compressed in your artery a number of times in order to improve blood flow.
A stent may be placed in this area of your artery to keep the artery open and the blood flowing.
How does angioplasty affect life insurance rates?
Finding life insurance with heart disease can be complicated unless you know which companies to work with.
We understand angioplasty from a life insurance underwriting standpoint.
We know the concerns that life insurance underwriters have,
And know the questions to ask you about your angioplasty history.
We do this in order to put you in the best possible light with the life insurance underwriters.
Let us help you get the life insurance you need.
Angioplasty Life Insurance Underwriting
Underwriters want to know when you had angioplasty, and how many vessels were involved.
Prior to having an angioplasty,
Did you have a heart attack or other heart condition that resulted in the diagnosis requiring angioplasty?
Or was the clogged vessel discovered as part of a routine cardiac workup?
Did you have a stress test after angioplasty?
Life insurers are also looking for lifestyle changes where necessary.
Things such as diet changes, weight loss, smoking cessation, exercise, etc.
The more positive the changes, the more favorable the outcome from a life insurance standpoint.
IMPORTANT TO NOTE about Angioplasty
We get a lot of clients after they have been mishandled by the previous life insurance agent.
Many inexperienced life insurance agents will rush their client back into underwriting within weeks of the angioplasty.
That may be the biggest mistake, here’s why.
With Angioplasty, there is a common occurrence of re-stenosis in the 30-50% range of all angioplasty cases.
With 30-50% of all angioplasty cases, the artery will constrict again,
Slowing the blood flow and increasing the risk of more serious heart problems.
When a life insurance agent rushes their client into life insurance underwriting right after angioplasty,
Life insurance underwriters don’t know yet if re-stenosis is going to happen.
Not enough time has passed for companies to underwrite you.
That’s where we can help you.
We know which life insurance companies to work with and which life insurance companies to avoid.
We use a quick quote process to obtain preliminary feedback in days from companies that specialize in heart conditions.
We’ll then contact you to discuss what to expect in terms of underwriting and price.
There is never any obligation or pressure with our life insurance service.
We’ll give you the information you need in order to make an informed decision about your life insurance.
Please take a few minutes to complete our quote request today.
Last Updated – January 27, 2021