Have you had angioplasty and need life insurance?
Angioplasty, also known as Percutaneous Transluminal Angioplasty (PTCA) has become so common in heart conditions life insurance underwriting that most life insurance underwriters consider it a minor underwriting issue relative to other heart conditions.
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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 dilate your artery and improve the blood flow. A stent may be placed in this area of your artery to keep the artery open and the blood flowing.
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How does a history of Angioplasty affect your 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….You only get one chance to make a first impression. Let us help you get the term life insurance, universal life insurance or whole life insurance you need.
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What to expect from Angioplasty Life Insurance Underwriting
Life insurance underwriters will want to know when you had angioplasty, and how many vessels were involved.
Prior to having 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?
After you have had angioplasty, life insurance companies want to know if you have had a stress test.
Life insurance companies are also looking for lifestyle changes where necessary 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.
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IMPORTANT TO NOTE about Angioplasty
We get a lot of clients after they have been mishandled by the previous life insurance agent due to the agent’s incompetence.
One of the most important things to remember about life insurance underwriting after angioplasty is the “postpone” period. 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 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!
You end up getting declined or postponed by life insurance companies simply because your life insurance agent didn’t know about underwriting…That’s where we can help you.
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How We Help You Secure Life Insurance After Angioplasty
We know which life insurance companies to work with and which life insurance companies to avoid if you have a history of angioplasty and need term life insurance, universal life insurance or whole life insurance.
We gather your medical information upfront and then shop that information out on an informal basis to multiple life insurance companies.
By shopping your information on an informal basis first, we save you the time and aggravation of having to fill out multiple life insurance applications. We find out upfront which life insurance companies will be most competitive so that you only need to apply for life insurance one time!
Once we hear back from the life insurance companies, we will contact you to discuss what you can expect from underwriting in terms of price, etc..
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.
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Whether you have a health issue now or had one in the past and you’re not sure if it will cost you more for your life insurance, we can help you.
We know term life insurance, universal life insurance and whole life insurance. We know the life insurance companies, we understand impaired risk life insurance underwriting, and know how to get you the most competitive life insurance rates available if you have less than perfect health.
Please take a few minutes to complete our quote request today.
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If you would rather discuss your life insurance needs,
please call us at: Toll Free (800) 909-2040. Thank you.
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