Did you know that life insurance for heart patients is entirely possible?
Most people with heart conditions can qualify for coverage.
Life insurance for heart patients falls into the high-risk underwriting category.
Heart conditions we insure include:
Our quick quote process gives you feedback in a few days from insurers specializing in your condition.
Find out just how affordable life insurance can be.
There is never any pressure or obligation with RiskQuoter’s service.
Here’s what we need to know:
Heart Conditions Underwriting Questions
The benefit of our quick quote is that you’ll know the pricing and which companies are best before applying.
We tell you everything you need to know about getting term life insurance for heart attack (myocardial infarction) victims.
In the past, the only option would have been some overpriced whole life insurance policy, but not anymore.
With heart attacks, life insurers review:
Positive lifestyle changes also help
Affordable life insurance after two heart attacks is even possible for many insureds.
We’ll review your heart attack history, and we’ll tell you what information we need to provide accurate quotes to you.
Can I get life insurance with atrial fibrillation? Yes! Most people with aFib are readily insurable.
Life insurers’ concern with atrial fibrillation is your potential risk of a stroke.
Life insurance rates depend on whether you have paroxysmal (occasional), persistent (chronic), or long-standing persistent atrial fibrillation.
You may have been diagnosed with atrial fibrillation after
Underwriting AFib considers:
We need to know what medications and dosages you take.
Some medications slow the heart down, while others regulate your heart rhythm or prevent blood clots and strokes.
Life insurance rates are more expensive for those who’ve had a catheter ablation or maze procedure.
Better rates may become available over time.
For atrial fibrillation caused by heart valve disease, underwriting follows heart valve guidelines mentioned later in this guide.
No matter what type of atrial fibrillation history, we can help you get your best rates.
You may have had chest pain, a heart attack, or just completed a cardiac workup that revealed a clogged artery.
The cardiologist will decide if angioplasty with a stent or coronary artery bypass grafting (CABG) is the best option for you.
Angioplasty is a procedure that inserts a balloon-like device into the clogged artery.
The balloon is expanded and contracted in your artery to improve blood flow.
A wire mesh stent keeps the artery open and the blood flowing.
Underwriters look at:
The first thing to remember is that there will be a postponed period after getting a heart stent.
The postpone period is typically 3-6 months after the post-surgical cardiac workup.
Life insurers want to see how well your stents work before insuring you.
Postpone periods are shorter for single stents and longer for two or more stents.
In terms of price:
If you’ve recently had a heart stent implanted, don’t worry – you’re not automatically uninsurable.
There are plenty of life insurance companies that would like to have your business.
Finding the right life insurance policy can be daunting, especially if you’ve been diagnosed with coronary artery disease.
Coronary Artery Disease, also known as CAD, occurs when plaque builds up in your coronary arteries.
As this plaque builds up, your arteries narrow and may cause conditions such as:
Your initial treatment may include diet changes, exercise, medications for high cholesterol, or elevated blood pressure.
Underwriters look at your plaque burden – the number of heart vessels with the plaque and the extent of buildup (stenosis).
Underwriting factors include:
We have a proven process to help coronary artery patients obtain affordable coverage from top-rated life insurance companies.
With coronary artery disease, we’ll ensure you get to the right life insurer based on your history of heart disease.
Coronary artery calcium scores (CAC) measure the amount of calcium that has built up in your heart’s arteries.
Electron Beam CT or Multislice CT scans measure the degree of calcification.
CAC scores compare your results to the general population of people of the same age, gender, and race as you.
Coronary artery calcium scores hurt your underwriting chances or have no effect. It rarely helps you in underwriting.
Here’s how coronary artery calcium scores affect life insurance based on age:
The most important thing for us is why you had a coronary artery calcium score completed.
With that information, we’ll help you find the best rates available.
Brain natriuretic peptide (BNP) is a cardiac-related hormone.
BNP consists of an inactive hormone (NT-proBNP) and an active hormone (BNP).
BNP and NT-proBNP are blood tests used to diagnose and monitor heart failure.
Increasingly, life insurance companies are using NT-proBNP in paramedical exam testing.
According to the Cleveland Clinic, normal levels of NT-proBNP are:
BNP and NT-proBNP give underwriters a crystal ball when evaluating your health.
BNP levels evaluate:
Slight elevations of BNP predict future heart problems and mortality.
It varies by company, but some general age guidelines are as follows:
While the NT-proBNP level may not affect underwriting, any heart condition you have affects life insurance rates.
NT-proBNP levels above the levels mentioned add table ratings to your price.
Each life insurance company has its own set of rules for NT-proBNP testing.
We’ll continue to update this as we receive updates from other companies.
Most life insurance companies postpone underwriting for six months to 1 year after your bypass surgery.
In some instances, we’ve been able to get coverage after three months.
Here’s what life insurers need to know about your bypass history:
Life insurance companies postpone coverage due to the increased risk of:
It is important to show positive test results and good cardiac follow-up before applying for new life insurance.
Typical heart valve issues for life insurance are regurgitation (leaks) and stenosis (narrowing of the valve).
The extent of heart damage you have and treatment received determines the price of life insurance for heart valve disease.
Our heart valve underwriting expertise includes:
Underwriters look at the treatment you received.
Medication-controlled conditions receive better rates than those with a heart valve surgically repaired.
Rates are more expensive if you have heart valves replacement surgery such as an aortic valve replacement or mitral valve replacement.
Was a mechanical or biological valve used?
Your path to getting a pacemaker may have started with an abnormal EKG or arrhythmia diagnosis.
A pacemaker is a small device implanted in your chest to help regulate your heart rhythm.
The pacemaker may be a:
It’s important to know what type you have.
Underwriters want to know:
Based on the above information, we’ll be able to show you what to expect in terms of underwriting and price.
Life insurance rates for abdominal aortic aneurysms (AAA) depend on if the aneurysm was surgically repaired or medically monitored.
There would be a postponed period of 6-12 months if you had abdominal surgery or endovascular aneurysm repair (EVAR).
Life insurance rates tend to be better for abdominal repairs vs. EVAR.
Life insurance rates after surgery:
As more time passes since surgery, life insurance rates improve, and a standard rate may be possible in the future.
Medically monitored aneurysms postpone period is 12-24 months after diagnosis.
Underwriting depends on the size and stability of the aneurysm.
Life insurance rates for aneurysm monitoring: (aneurysm size in centimeters CM)
* – To qualify for life insurance, you need regularly scheduled physician visits that monitor the size of the aneurysm.
Most companies will require 2-3 years of stability before considering insuring you.
Companies will decline coverage if you smoke or have other medical conditions until after surgery.
An abnormal EKG for life insurance may be a minor event or signify a significant underlying heart condition.
Electrocardiograms (EKG or ECG) measure the electrical activity of your heart and graphs it on paper.
The EKG measures your heart’s rhythm, heart rate, P Wave, PR interval, QRS interval, T wave, QT interval, and ST segment.
When the EKG is abnormal, that EKG is referred to a medical director at the life insurer for review.
Depending on the type of abnormality and severity, underwriting may:
If you get approved for life insurance with an abnormal ECG, you should accept the offer…even if just temporarily.
The reason is that you’ll need to undergo a cardiac workup to get a better offer.
If there is an underlying heart condition, the original offer is gone, and you may pay more or, in some cases, be uninsurable.
Bottom line – Get an offer, put it in force, and then we’ll re-shop for something better.
The good news is that many life insurance companies have done away with EKG testing.
We have companies that will offer up to $60 million in coverage with no EKG required.
Life insurance with high blood pressure is possible, even if you take medication.
Better still, the preferred best rates are available with the right life insurance companies if you otherwise qualify!
Underwriters want to know:
Here’s our blood pressure guide by company.
Blood pressure medications are acceptable unless noted.
Can you be denied life insurance for high blood pressure?
You may be denied life insurance for high BP, although that is not common.
In most cases, the life insurance company may offer you a rated policy or postpone you until your doctor evaluates the reason for high blood pressure?
What is high blood pressure for life insurance?
Companies publish underwriting guidelines with the blood pressure cutoff for each rate class.
Blood pressure greater than 140/90 may affect life insurance rates.
Is my blood pressure checked during the life insurance exam?
Blood pressure is checked three times during a life insurance exam (paramed), and your pulse once.
How do I lower my blood pressure for the life insurance test?
Steps you can take to lower blood pressure for the paramed exam include:
Right bundle branch blocks (RBBB) and Left bundle branch blocks (LBBB) are common.
A right bundle branch block is a common abnormal EKG irregularity.
It doesn’t pose a problem with underwriting unless just discovered as part of your paramedical exam for life insurance.
A left bundle branch block, on the other hand, raises concerns because it may interfere with EKG readings and hide an underlying heart issue such as:
Suppose your doctor discovered a bundle block during the life insurance application.
In that case, some life insurers may postpone or decline your application until your cardiologist evaluates you.
Life insurance rates are based on any underlying heart condition if you’ve had a cardiac workup completed.
It may be possible to obtain the best rates or a slight rating for some cases if no other heart issues are present.
Angina (angina pectoris) is chest pain that occurs when there is a decrease in the blood oxygen supplied to your heart.
It usually occurs after exertion, cold weather, stress, and sometimes after a heavy meal.
An estimated 9 million Americans have angina.
You may have been diagnosed with angina from:
Underwriters look for other heart conditions such as:
Life insurers tend to postpone coverage for six months after diagnosis and longer if you suffer from unstable angina.
From an underwriting and price standpoint:
Life insurance rates are better for those with stable angina.
Underwriting is based on all medical issues if you have other heart conditions.
With stenosis, your valve thickens and does not open properly.
The stenosis may come from congenital heart conditions, rheumatic fever, or calcification of the aortic valve.
Doctors diagnose stenosis via an echocardiogram or by cardiac catheterization.
Aortic stenosis categories:
Valve pressure between your aorta and left ventricle determines your gradient.
A cardiac catheter provides a definitive diagnosis, while an echo provides an estimate.
Your Gradient and the heart murmur grade determine a trace, mild, moderate, or severe aortic stenosis.
Life Insurance Rates by Aortic Stenosis Severity
We’ll let you know what to expect in terms of price based on your stenosis history.
Many people may only learn about a murmur after a heart check with a stethoscope.
Heart murmurs are either functional heart murmurs or organic heart murmurs.
Functional heart murmurs are also called innocent heart murmurs and are a minor concern to life insurance underwriters.
Functional types include physiologic, cardiorespiratory, and aortic sclerosis murmurs. They are not a problem as long as there is no other underlying heart issue.
Organic Heart Murmurs – are caused by heart disease or congenital problems.
Types of organic include:
The type of organic murmur you have determines underwriting outcomes.
At RiskQuoter, we have specialized in underwriting heart problems since 1998, helping thousands of clients get affordable life insurance.
You may be wondering how your condition will affect your life insurance policy.
The good news is that many insurers offer policies to people with pre-existing conditions like heart disease.
Some insurers specialize in covering high-risk individuals.
So don’t wait any longer. Get a life insurance quote now.
We take our responsibility seriously and will do whatever we can to make sure you end up with the best life insurance company based on your unique life insurance needs and situation.