If you have coronary artery disease (CAD) and need life insurance, we can help you.
Coronary Artery Disease Overview
With our service, finding affordable life insurance with heart disease conditions like CAD is now possible.
Coronary Artery Disease, also known as CAD occurs when plaque builds up in your coronary arteries.
As this plaque builds up, your arteries narrow.
This may cause conditions such as Angina (chest pain), heart attacks, blockages in your arteries, etc.
Treatment would then be required.
Types of treatment include medication, angioplasty, heart bypass surgery, or a combination of treatment, lifestyle changes, etc.
Life insurance underwriting for CAD will vary depending on the type and severity of your heart disease.
CAD Diagnosis
Many times, the initial tipoff that you may have CAD starts with a blood test, or abnormal blood pressure readings.
Your doctor may have you get some tests to see if CAD exists or to determine the extent of your CAD.
Some of those tests that you may have had are:
Electrocardiogram (EKG or ECG) – An EKG measures your heart’s electrical system to see if it is performing properly.
The results of the EKG may prompt your doctor to order additional tests.
Stress Test – A stress test is an EKG that is performed while you are exercising.
You may be walking on a treadmill or riding a stationary bike.
Angiogram – Is where dye is injected into your arteries usually via the artery in your leg.
An X-ray is then taken to see if any arteries are clogged.
Your physician may have even performed angioplasty at the same time if there is a blockage in one of your arteries.
Echocardiogram – is a test performed to provide images of your heart and to detect damage.
SPECT – is a nuclear scan where your doctor will inject Cardiolite into your arteries in order to see if damage exists.
PET Scan – After you receive an injection, cameras are able to see how your heart is working.
CT Scan or EBCT Scan – are detailed scans of your arteries to determine extent of damage if any to your heart.
Underwriting Questions for CAD
When we speak, we’ll ask you some questions related to your health history.
We do this to find out exactly what condition you have, the treatment received as well as your current health.
We do this so that we don’t waste your time providing you with unrealistic life insurance quotes.
Don’t worry if you do not know all the answers.
We’ll tell you what questions to ask your cardiologist.
We’ll work with you every step of the way to help you get life insurance.
Another important Note about CAD Life Insurance Underwriting.
If your doctor has asked you to have a test performed but you skipped the test, life insurance companies will postpone or decline you.
It is important to life insurance underwriters that you actually have the tests performed that your heart doctor is requesting.
How does CAD affect Life Insurance?
CAD Life Insurance underwriting is complex and every individual is unique.
The best way to handle your life insurance if you have CAD is to go through our informal underwriting process first.
This allows us to summarize your health information.
We then send it to life insurance underwriters who specialize in heart conditions.
This will save you from having to fill out multiple life insurance applications upfront.
Once we have your medical underwriting information, we will send it to life insurance underwriters for preliminary feedback.
It takes 3-5 days to hear back from companies.
We will then contact you to discuss underwriting responses and quotes.
Conclusion
Please take a few minutes to complete our quote request.
There is never any cost to you to apply to a life insurance company and you are under no obligation.
Michael J Horbal
I’m the owner of RiskQuoter. We specialize in life insurance underwriting, helping you get the best rates whether you have perfect health or a history of medical problems.
Last Updated – January 27, 2021