Heart disease is the leading cause of death in the United States and is a common health condition in the entire population.
The most classic result of heart disease is a heart attack. Is it possible to get life insurance after a heart attack?
The surprising answer is "yes", at least in most cases. However, the main variable is the premium you pay for your policy.
It will depend on a large number of factors, including how recent the heart attack was, how well you have done since, the extent of the damage caused by the heart attack and your future prognosis.
If you have had a heart attack or other significant health condition, you have come to the right place.
As a life insurance broker, we specialize in high-risk life insurance.
It includes not only serious health conditions, but also high risks, high risk hobbies and even certain behaviors (such as smoking) that are viewed negatively by the life insurance industry. [1
What is a heart attack?
A heart attack is usually caused by a blockage that impedes blood flow to your heart.
As a result of the blockage, the heart muscle cannot get the oxygen needed to keep it pumping, resulting in the death of the heart tissue.
It can lead to permanent damage to the heart muscle, which limits the heart's ability to function properly.
The more technical term for heart attack is heart attack, and more than 1 million Americans experience this event each year.
Symptoms include discomfort, pressure, tightness, squeezing or pain in the chest, under the sternum or arm; discomfort that goes to the back, jaw or arm; a feeling of complete indigestion or even a suffocating feeling; sweating, upset stomach, vomiting or dizziness; severe weakness, anxiety, petite or shortness of breath and a fast or uneven heartbeat.
There is a very wide range of symptoms, which means that the potential to ignore the symptoms and to believe that they are slightly less severe is common.  Diagnosing a heart attack
Often a heart attack is not determined until long after that. It is even possible to have a heart attack that does not cause any symptoms at all.
But coronary artery disease is not the only cause of heart attacks. A cramp in a coronary artery can also be the cause. During spasm, the arteries or spasms restrict on and off, removing the blood supply to the heart. It can happen even if you do not have coronary heart disease.
Because each coronary artery sends blood to a different part of the heart, the specific area and size damaged in the attack will vary with each event. The time between the heart attack and subsequent treatment is also an important factor.
Surprisingly, the heart muscle begins to heal shortly after a heart attack. However, because scar tissue forms over the injured area, it can limit how much the heart can pump after the attack.
Heart attacks are usually diagnosed by ECG, blood tests, electrocardiography and cardiac catheterization. Some medications may be administered or emergency surgery may be performed shortly after a heart attack that minimizes injury and maximizes patient outcomes.
How life insurance companies consider applicants for a heart attack
Life insurance after a heart attack is available, but it comes with more scrutiny than would be the case for a healthy applicant.
You should fully expect the question form and documentation to be higher, as the insurance company tries to gain a complete understanding of the extent of your condition, as well as the future forecast.
Age at heart attack
One of the first factors that a life insurance company looks at is the age at which the heart attack occurred. From insurance, the better in life the attack occurs the better.
The chance of getting coverage for a heart attack at 62 will be better than if it occurred at age 49. This is because the earlier a heart attack occurred in life, the greater the likelihood of relapse.
Unfortunately, it may be impossible to get a traditional life insurance policy if you have a heart attack before 50, but there are some policies that are specifically designed for people in that situation.
The severity of heart attack is also an important factor. They will mostly assess the level of damage that has been done to your heart and how much the heart muscle has recovered after the fact.
For example, if a heart attack was caused by one or two blocked coronary arteries, the insurance result will be more favorable than if it were the result of three or more blocked vessels.
Your height-to-weight ratio is an important consideration. Heart disease of all kinds is considered to be closely related to lifestyle, and an indication of a healthy one is to maintain normal body weight.
It is important to maintain a balanced diet every regular exercise routine immediately after a heart attack and to get as close to normal body weight as possible.
If you are overweight or morbidly obese – after having a heart attack – you will either pay a very high premium for coverage, or be referred to a guaranteed issue.  If so, the death benefit will be limited, and no benefits will be paid for the first two or three years after the policy is issued.
Following your treatment regimen
Your complicity in following your treatment regimen will be critical. This includes regular visits to your cardiologist and other recommended specialists, as well as taking prescribed medications and participating in other therapies that are deemed necessary.
Other risk factors
Finally, the life insurance company will address any other risk factors you have. These can include other health conditions, such as diabetes, behavioral problems – such as smoking – or even high-risk occupations or hobbies.
The stronger you are apart from your heart disease, the greater the probability of both approval and lower premiums
How much does life insurance with heart disease cost?
This is really the main issue when it comes to life insurance after heart attack. The life insurance industry has grown to accommodate almost every health profile. It's mostly about how much coverage you can buy and what premium you pay for that coverage.
From the beginning, you should understand that you are unlikely to qualify for the lowest premiums if you have had a heart attack. These include preferred plus, preferred and standard plus.
However, if your heart attack was relatively mild and is currently well managed, it may be possible to qualify for a standard grade. This means that you can get a premium level based on the health profile of a person in average health.
To the extent that your situation is more serious, you can get an underscore rating, also called a table rating. The typical life insurance company has 10 table valuations, which can be listed either numerically or alphabetically. Each higher number or letter will correspond to a 25% increase in the premium you pay for a standard rated life insurance policy.
For example, if the life insurance company issues your insurance with a premium table rating of 5, "I will pay a premium that is 125% higher than for a standard rating (5 X 25%).
A premium of $ 1,000 below a standard rating would then translate to $ 2,250 with a table rating of 5. This is of course much more expensive than the premium for a standard policy, but you may still be eligible for traditional life insurance in whatever amount you can afford.
Improve your chances of Life Insurance Acceptance After a Heart Attack
As discussed earlier, it is important to maintain your overall health in the best possible way, which means you are proactive when seeking medical treatment for your condition, eating a balanced diet, getting regular exercise and maintaining proper body weight.
You should also avoid any unhealthy behaviors, such as smoking or excess alcohol consumption.
The type of policy and length is also important tig. The entire life insurance is permanent life insurance coverage, and it is usually more difficult to get after a heart attack or other major health condition.
A better choice will be a term policy. For example, you are more likely to be approved for a ten-year period after a heart attack than for a lifetime policy.
At the same time, a ten-year period will also be easier to qualify for than a 30-year policy, as the probability of death within 30 years is much greater than within 10 years.
If you are unable to qualify for a traditional life insurance policy, either term or lifetime, you may need to consider guaranteed life insurance issues. It is a type of life insurance that is available to applicants who are considered to be at very high risk.
As the name implies, life insurance guarantee will be automatically accepted. However, the death benefit is limited, usually to somewhere between $ 25,000 to a maximum of $ 50,000.
In addition, there is a longer waiting time that comes with the policy. If you die within the first two or three years, the policy is in force, the death benefit is not paid.
But if you die after the waiting period, the full death benefit will be paid to your recipients.
Application for life insurance after a heart attack
The single most important strategy for getting life insurance at the lowest cost is to work with an experienced, knowledgeable life insurance broker.
Many consumers do not understand the difference between an independent insurance broker and what is called a "captive" insurance agent.
But a captive insurance agent works for a single insurance company. If that company happens to take a weak view of life insurance after a heart attack, not only will you pay more for the policy than you should, but you may even be turned down.
That's why it's so important to work with an independent insurance agent. We work with many different life insurance companies and know those who take the most favorable view of all types of health-related conditions, including life insurance after a heart attack.
We only submit your application to the companies that are likely to) issue an approval, and b) make it the lowest possible premium.
We also help determine the right policy for you, whether it's your entire life, life expectancy (and for what length), or whether you may need to apply for a guaranteed travel policy.
It saves both time on shopping for the right insurance company, as well as money on the ultimate premium you will pay.
Also do not submit an application with the companies that advertise the lowest premiums – assuming that they will also have the lowest premiums for life insurance with a heart attack.
It is the opposite. Such companies offer the lowest premiums precisely because they are only made available to the youngest, healthiest applicants. The most likely outcome, if you apply after a heart attack, is that your application will be rejected.
Leverage our experience in locating applicants for heart attack and other health-related conditions. That's what we specialize in. And our services cost you nothing extra. We are paid by the life insurance companies to submit your application to them and at no extra cost to you.
* While we do everything we can to keep our site up to date, please be aware that "current" information on this site, such as quotes or relevant company details, may only be accurate from the last day of editing. Huntley Wealth & Insurance Services and its representatives do not provide legal or tax advice. Please contact your own legal or tax advisor.