Quick Tip: If you have a history of heart disease and want the most affordable rates, fill out the form on the side and rates will be displayed immediately!
The Effect on Life Insurance for Heart Disease Patients
Having heart disease otherwise, known as cardiovascular disease is something that can cause a person to think about their mortality. In doing this, they’ll likely realize how important life insurance is. Especially for those that have people financially dependent on them, such as children. In fact, being diagnosed with heart disease, you are a high risk life insurance applicant.
If you don’t have life insurance and you pass away, your loved ones are left to pay for any of your debts, mortgage bills, and final expenses. This is the last thing that any caring person would want
Unfortunately, having heart disease does make getting a life insurance policy a more difficult process. However, you shouldn’t assume that you won’t be able to get coverage. There are always life insurance options for those determined to find them. Even if you have been declined life insurance for heart disease, we know the carriers that are most lenient.
Young adults with many congenital heart conditions can usually buy life insurance without any difficulty, but the fee may be higher. Term life insurance policy, especially if bought through an organization like an employer, is often reasonably priced and requires less medical info to sign up. Insurance carriers vary a lot in the way they believe congenital heart disease when offering life insurance coverage. Compare information from various life insurance carriers before drawing conclusions on your insurability.
A PinnacleQuote insurance agent does not work for just 1 company so we will shop you to many to help you compare policies. Our agents know the best insurance for heart conditions and will help you get best rate.
Life Insurance For Heart Attack Survivors, Bypass Surgery, Stents
When you’ve needed a one vessel stent without a prior heart attack at age 50 or older, you might be eligible for a regular or standard rate with several insurance carriers. This isn’t always simple to achieve. However, we know which carriers will be the most lenient.
When you have experienced a bypass/stent or a heart attack, or some other coronary artery disorder event before age 50, many life insurance carriers will rate you. In some cases, charging double or triple above standard rates. This is due to the assumed risk. They figure if you’re under 50 and you are having cardiac disease now, it will only get worse in the future.
Some carriers will decline you in the event that you’ve experienced coronary artery disorder the others won’t. It usually takes some searching to find the right fit. At PinnacleQuote, we will locate an insurance carrier which will provide you with insurance no matter your cardiac history. So do not get frustrated, finding life insurance for heart attack victims is something that PinnacleQuotespecializes in.
GET APPROVED FOR LIFE INSURANCE WITH HEART DISEASE
Life insurance with health problems may be challenging. However, if you are strategic about it, it can be achieved. Below we’ll cover some of the things you can do to increase your chances of getting approved life insurance and better life insurance rates with heart disease:
- Listen to your doctor! — Your doctor will know how to best manage your heart disease. If they prescribe you medication, make sure you take it exactly how your doctor tells you to. Listen to any other recommendations or methods of treatment that they give you. Showing that your willing to take all the precautions to control your heart disease will resonate with your medical examiner.
- Improve your general health —Like for anyone applying for life insurance for heart disease, your general health will be a major factor in determining your rates. Before applying for life insurance and taking the medical exam, exercise, eat healthier, lose excess weight, and do anything else that will improve your overall well being.
LIFE INSURANCE WITH HEALTH ISSUES, UNHEALTHY HABITS AND COMPARING QUOTES
- Living with a heart condition is an awful feeling. Making lifestyle changes will help. Start by Quitting any unhealthy habits — Tobacco users (smoking or chewing tobacco) can expect to pay 2 or 3 times more for their life insurance than non-tobacco users! Quitting tobacco products a year before applying could be the number one best way to get more affordable life insurance
- Stay organized — Affordable life insurance companies love working with people that have all of their information recorded and on hand. If you answer all of their questions thoroughly and accurately, they’ll be far more willing to approve your application and could offer you lower prices.
- Compare quotes! — Each life insurance company has different medical underwriting. With a condition like heart disease, prices will likely differ depending on which insurance company you meet with. One of the best ways to get more affordable life insurance is to compare several quotes and find the cheapest policy. Always give your agent your full medical history to avoid any underwriting problems.
HOW DOES EXERCISE STRENGTHEN YOUR HEART
Have you been living a healthy way of life? Have you ever changed your diet and exercise? Insurance companies want to understand. If not, whatever led to the stent at the first place is very likely to repeat. As we have mentioned, life Insurance for the sick can be challenging. Making simple changes in your diet for overall health and well being will make the process simple in the long run.
For many individuals, one’s center stent surgery is a wake-up call and they will end up fitter in the near future because of it.
Quitting smoking is actually a significant deal for lesser life insurance plan rates after angioplasty. Not to mention reduce the risk for other health issues. Smoking prices usually are more than 300% higher than non-smoking rates for clients with heart problems.
Small changes in diet may also assist you to drop weight, such as heart healthy foods. Healthy eating is key to good cholesterol, reduce your risk for heart disease, in addition it will enhance your blood pressure readings. Consequently be eligible for lesser life insurance charges as well. This is a win-win situation. Make these changes for your well being. And also you may save yourself money at the same moment.
With all that being said, keep in mind there are health benefits to regular exercise. Obviously, do not do any form of exercise before you speak to your doctor.
Aerobic exercise might be O.K. for one person but not for another. Listen to your heart rate and watch how much physical activity you are incorporating into your routine. Whether 150 minutes or 30 minutes strength training or moderately intense activity will increase your blood flow. Be aware of how your body feels and call your doctor if you feel uncomfortable in anyway!
HEART STENTS AND LIFE INSURANCE RATES, LIFE INSURANCE ISSUES
YOU AREN’T ALONE…
For those who have recently experienced a stent operation and/or angioplasty, then you aren’t alone. Nearly 590,000 people have a stent operation done annually in America. That is a huge number, and life insurance carriers understand that. This represents a substantial part of the population that lots of life insurance carriers would consider a risk. Life insurance with medical conditions make getting the best rates difficult. Usually a standard to substandard rates. Almost never preferred rates, with some exceptions. When it comes to life insurance bad health history is taken into consideration. Be honest with your life insurance agent so they can advise you accordingly.
Whether you’re searching for term life insurance or permanent life insurance, then there are always a couple questions which may determine your eligibility. These are considered rate class which ultimately determines the price.
Life insurance carriers determine rates and eligibility depending upon their very own underwriting guidelines. Remember, all carriers will look at you differently. Above all, it is very important to make sure you’re doing business with an agent that knows which carriers are lenient. Upon application of a stent, it might mean more stringent underwriting and also substandard rate class. But when surgery has been completed for at least 6 months, then you might qualify for exactly the exact same rate as individuals without any stents, again this is very slim. In most cases having a stent placed in an artery, means the best rate is a standard rate
Over the first 6 weeks, you might be eligible for a table rated or substandard rate. So it’s almost always best to wait patiently.
HEART CONDITONS AND THE DIABETES CONNECTION
Why Is Cardiovascular Illness common in Individuals with Diabetes?
Diabetes on its own has become regarded as the most powerful risk factor for cardiovascular problems. Nevertheless, a variety of mechanisms, maybe not only bloodstream glucose levels, most likely enter into play. The bloodstream in patients with diabetes are more susceptible to additional well-established risk factors, such as smoking, high cholesterol, and high blood pressure, and much more than 90 percent of patients with diabetes possess one or more of these additional risk factors
A few of the higher susceptibility to blood vessel damage which individuals who have diabetes have could possibly be a result of the long-term after effects of inadequate control of blood glucose levels on the cells or as a result of additional cell damage related to diabetes.
Research the use of further risk factors has been conducted. Evidence demonstrates that patients with diabetes have a heightened degree of adrenal inflammation of the arterial lining, a procedure which initiates the blood vessel changes leading to cardiovascular problems. One of these new tests to check that inflammation have been evaluated, for example, C-reactive protein.
There is also a link between diabetes and Atrial Fibrillation (AFIB).
CAN YOU GET LIFE INSURANCE AFTER HEART ATTACK
Yes you can, this is not an impossible task. You may be rated differently depending on your conditions. Some questions the underwriters and insurance companies will need to know are:
- When were you diagnosed?
- Other medical issues?
- Has your condition worsened?
- How often you see your physician?
- What medications/treatments are you currently on?
Be very candid with your independent agent. They will guide you through this process and know which carriers to best put you with at the best rates to fit your budget.
WHAT IF I STILL GET DECLINED – WHAT TO DO IF YOU CAN’T GET LIFE INSURANCE
Don’t panic!!! When it comes to life insurance for heart disease patients, you are rarely out of options. If you continue getting declined life insurance, you can always turn to guaranteed acceptance life insurance or simplified life insurance. For instance, the earlier you are diagnosed or have symptoms of heart disease, the more it will affect life insurance rates by age.
These policies do not require a medical exam. Therefore, your health conditions are not held against you when you apply. Instead, guaranteed acceptance, as the name suggests.
However, because these companies are taking a greater risk, these plans are, of course, more expensive. In most cases, a burial life insurance policy may be another option.
Another caveat is that most guaranteed issue policies have a graded benefit. In fact, this means that a lesser death benefits the initial two years. If you pass away within the first two years of the policy, paid premiums plus 10% go to the beneficiary. Also, getting more out of it then you put into it is better than nothing at all. Banner Life has the best rates and most lenient underwriting when it comes to heart disease. Other life insurance companies to consider, Protective Life, Foresters, Prudential.
THE MORE STENTS, HEART ATTACK RED FLAGS, THE HIGHER THE RATE COULD BE
HOW MANY STENTS Have You Got?
With no more than a single stent, you might still be eligible for a standard risk with some carriers. When you’ve had multiple stents, then you might still be eligible for a policy. However, it is going to mean increased rating class and table rates resulting in higher rates.
Again, more than 1 stent usually contributes to fairly high prices. Nevertheless, coverage can be reasonably priced depending on age. But if you need life insurance, it is better than a decline.
Prior to going in for angioplasty, the cardiologist is very likely to see an extra narrowing of one other coronary artery. If it resembles your own plaque is progressing, then you might need more stents in the future. This will concern the life insurance carrier because mortality increases drastically for those going through a surgery. This can result in a postpone your life insurance policy coverage or negatively influence your own rates.
Various vessels may change that which you cover life insurance plan. Angioplasty at the circumflex artery is much less in relation to the stent from the “widowmaker” or left anterior descending artery (LAD)
RECAP ON WHAT CAN CAUSE HEART DISEASE
Having high blood pressure is a major factor for heart disease, stroke, heart attack and many other problems. Also, getting life insurance with sleep apnea disorder, in some cases is a correlation to heart disease. Nonetheless, when looking for life insurance rates with pre-existing conditions such as heart disease, It’s best using an independent agent. In addition, having unmanaged diabetes can also have an adverse effect on heart disease.
HEART DISEASE AND LIVING WELL
Whether you’re attempting to manage cardiovascular problems or have undergone a heart attack, then you are understandably worried about your wellbeing. The fantastic thing is that by embracing a healthier lifestyle. Including a more balanced eating plan and routine exercise for superior weight control — and putting together a gameplan with your physician. Also, restrain elevated cholesterol, blood pressure, and blood glucose sugar levels to boost your heart health.
HIRE AN INDEPENDENT AGENT WHEN HAVING HEART DISEASE OR HEART RELATED ISSUES
ou may want to consider hiring an independent insurance agent to help you on your quest of finding affordable life insurance coverage.
Especially, life insurance for someone with poor health such as heart disease. An insurance agent will know how to connect you with the best companies.
Furthermore, an independent agent will have an idea about which companies tend to have the most lenient medical underwriting for those with heart disease.
Hiring an independent agent is a good investment since they have experience with life insurance for sick people. Plus, they can help explain the differences between the different types of life insurance.
I am Danny Ray, Your Personal Independent Agent. Based out of Jacksonville, Florida. Duval County, home of the Jacksonville, Jaguars! We have clients all across the U.S.! If you have any questions, please feel free to contact us at PinnacleQuote (855)380-3300.
We are here to guide you through the entire process!
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