Life Insurance with a Pacemaker

You’ve come to the right spot for information on purchasing a life insurance policy while having a pacemaker. We’ve helped dozens of people who’ve had this surgery done secure the best rates available. We’ve posted this article as a resource for those looking for life insurance.

If you’re not sure what company to use, read some of our reviews such as our AARP Life Insurance Review or our State Farm Life Insurance Review before making your decision on who to go with.

Simply having a pacemaker device doesn’t mean you can’t qualify for life insurance. In many cases you can qualify for traditional coverage and in more uncontrolled cases, you can qualify for coverage that has a 2 year waiting period. Either way, you can qualify for coverage. If you are older and want to know if you can qualify for term life insurance for seniors, we can certainly answer your questions and many more.

Life insurance with a pacemakerA pacemaker is an electronic device that stimulates the heart beat. After having it inserted you and the doctor will come up with a plan for how often and strong the device will work.

There are instances where a heart attack will require a pacemaker to be temporarily implanted, however it is normal for that to eventual be permanent.

Some of the conditions requiring a pacemaker are significant heart block (particularly if it causes fainting) and sick sinus syndrome (bradycardia tachycardia syndrome). In the latter, the heart beats too fast at times and then too slowly. Sometimes, doctors that prescribe drugs used to control atrial fibrillation (a type of irregular heart beat) result in profound bradycardia, requiring a pacemaker.

All of these factors above play a role in determining your life insurance rates.

If you have a pacemaker or a biventricular pacemaker installed, then your process of applying for life insurance will be much different than that of someone who does not have a pacemaker. Your underwriter will be extremely interested in why you have a pacemaker, and how it affects your health. Some of the questions you might be asked include:

• When was your pacemaker or defibrillator installed?
• Why was the pacemaker installed?
• Have you ever had any pacemaker complications?
• Are you on any medications?

We’ll need to know as many details as possible. The more information you can provide, the better chance you’ll have of securing the best rate. Best case scenario is having medical records from your doctor we can review, but that’s not required (just very helpful!) as we’ll get them for you when your application hits underwriting.

Also worth mentioning is letting us know if there’s another health condition you’re dealing with like diabetes, previous cancer history or death of your parents (mother or father) from any heart related issues. These will effect your rates as well. If you already have life insurance and want to know why you didn’t get preferred life insurance rates, we can direct you to someone who can help answer questions you may have.

Life Insurance with a Pacemaker – What To Expect

The good news, is that people with pacemakers are rarely declined for life insurance if everything is controlled. If you were declined in the past, you probably just used the wrong company.

If you have a Congenital heart block, you can expect a Table B health classification.

For Sick Sinus Syndrome and heart blocks (other than congenital), you can expect a Table B as a best case scenario if you’re over 55 years old. If you’re under 55 years old when the device was installed, you’re looking at a Table D health classification.

If you have Atrial Fibrillation or Coronary Artery Disease, you’ll be rated based on those issues instead of any devices installed.

If you have a defibrillator implant, history of Congestive Heart Failure, Cardiomyopathy or other complications – you’re not going to qualify for traditional coverage. You’ll qualify for a high risk policy with a 2 year waiting period.

If you’re currently a patient in a hospital awaiting the procedure – you’ll have to wait until it’s completed and a few follow up appointments have been completed. We get a lot of calls from patients in the care of a cardiologist who just found out they need the procedure done…you’ll just wave to wait until everything is under control.

Bottom Line

Since we’ve have worked along side multiple carriers over the years, we can help you in finding the ideal company for you. If you are looking for an affordable rate on your life insurance despite your pacemaker, contact us and let us help.

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About Jeff Root

is the owner of rootfin.com. He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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6 Comments

jonathan harrup

I had a pacemaker installed in May of 2014. It was for vagus nerve syncope.

January 4, 2015 at 12:09 pm
    Jeff Root

    Jonathan,

    We can help – just need a little more info and we can provide you with rates. Call us at 888-430-7668.

    January 4, 2015 at 9:20 pm
HERIBERTO LOPEZ

I HAVE A STENT AND A PACEMAKER…I NEED 50,000 OR 75,000 LIFE INSURANCE 20 YEARS…..

October 19, 2018 at 11:12 pm
    Jeff Root

    Hot a problem Heriberto. Just need to know some more details about those procedures (like when and how it’s going currently). You’re insurable – it’s just a matter of what company will approve you at affordable rates. We’ll do the research for you, just give us a call or fill out the quote form on this page.

    November 6, 2018 at 9:53 am
Sheryl Semore

My 60 year old husband has had an implanted defibulator for the past year and a half. It’s never gone off. Would this prevent us from being able to obtain life insurance for him?

November 27, 2018 at 4:15 pm
    Jeff Root

    Hi Sheryl, He won’t qualify for traditional fully underwritten life insurance. However, he can qualify for final expense life insurance with first day coverage. These are small whole life insurance policies that go from $5,000 to $40,000 of coverage and he can buy multiple policies to get more than $40,000 of coverage…depending on your budget of course.

    December 3, 2018 at 5:20 pm
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