If you have had a partial blockage in any of your arteries and had to have surgery to enable stents to be put in place, you will know that this is actually a very routine procedure.
Fortunately with the technology available today, it is a safe and effective method of actively prolonging a person’s life and helping to reduce the risk of further heart issues. All life insurance companies are aware of these facts and will usually offer some form of life insurance coverage, however if you have been refused life insurance coverage because of stent surgery you have probably just looked at the wrong company.
Although adequate life insurance coverage can be arranged, there are some factors that need to be taken into account prior to looking for life insurance coverage when you have had stent surgery.
All life insurance companies will insist that you wait six months before applying for life insurance coverage; this is because if there are going to be any complications arising from the surgery, these will happen within the first six months following the surgery.
Their policy is always to give time for the surgery to settle and the body to heal and therefore they will not process any application before this time limit is up.
When it comes to life insurance coverage for people with stents in place this is how the life insurance company assesses you:
For anyone who has had one stent, but has had no complications arising from the surgery and who has no other underlying health problems, this person may then qualify for Standard rates IF enough time has passed.
The more time that has passed with consistent follow ups, the better. It will ultimately depend on the individual life insurance company and their policies.
For anyone who has had more than one stent and who has possibly also suffered a heart attack, then they will qualify for less favorable rates; these are known as substandard rates which in our industry we call "table ratings". Again it will depend on the individual insurance company and the policies they have in place.
Some life insurance companies may also actually refuse to offer coverage whilst others will start with what is known as a base table rating, but will then ask detailed questions to decide the final rating.
These are the questions they are likely to ask if you have had surgery and have stents in place:
- How many stents have you had placed?
- Was there anything that triggered the need for stents, such as a heart attack or stroke?
- Currently, what is your ejection fraction?
- What is the date the stents were put in?
- What medications have you been prescribed?
- What was the result of your last stress test and what was the date of the test?
- Have you made any beneficial changes to your lifestyle since the surgery, such as quitting smoking or embarking on an exercise plan or fitness regime?
- Have you had any chest pains since the surgery?
If you don't know all the answers to these questions, we can still give you a rough estimate of your rates. Just know that they may not be totally accurate.
With that said, without the answers to these questions regarding your stent surgery, a life insurance agent can't accurately assess your specific risk. So be on your guard, if you are not asked these questions by another life insurance agent, they're not tailoring you a quote to fully suit your needs.
If you have suffered from any chest pains since the stent surgery, all insurance companies will automatically decline your application.
If your stent surgery was more than five years ago with no complications or follow treatment needed, you may be able to obtain life insurance coverage which does not require a medical examination.
The best way to look for adequate and affordable life insurance coverage for anyone with these types of health problems, is to contact an independent life insurance company, like us.
Our company, Rootfin Online Life Insurance Agency, provides coverage in all 50 states and we represent over 60 Life insurance providers. We remain both independent and impartial.
If you have been refused life insurance coverage in the past but don’t understand why, it could simply be a case of choosing the wrong company. We consistently turn declines into in force life insurance coverage because we're experts at working with higher risks and take the time to shop the market.
If you still have some heart related problems, or, indeed any significant health problems, contact us and we will consult with all of our life insurance providers and ensure we get you the best deal possible.
We also have graded death benefit policies available at very competitive rates that ensure many of our clients have some form of life insurance coverage in place.
If you have had a stent procedure and are looking for adequate and suitable life insurance coverage, speak to us about your risk. Make sure that you answer all questions as truthfully and honestly as you can, as to ensure you get not only the right level of coverage, but also the best available rate the agent providing the quote will need the true facts.
Here at Rootfin, our aim is to provide a thorough and comprehensive service for our prospective clients and we try to build a relationship with each and every one of you based on trust and a full understanding of their individual needs.
Our life insurance agents are comprised of very experienced advisors who will discuss your needs and assess the correct level of life insurance coverage you require, taking into account the stents and tailored to suit your personal lifestyle.
We remain fully confident that we will be able to find all of our clients suitable life insurance coverage which will be specifically tailored to their needs and will provide the highest level of coverage available at the most affordable price.