Many people have the misconception that because you’ve had a heart attack, you can’t qualify for life insurance. This is absolutely FALSE. We regularly secure coverage for our clients that have had a heart attack.
Many life insurance agents play the game of “submit and pray” – not having a clue what will happen in underwriting. This often leads to a decline.
If you want cheap life insurance, you have to do one thing – find a company who works well with high-risk clients. There are several companies that underwrite heart attacks more favorably than all the others. We’ll find you the best one.
There are 2 key impacts on underwriting life insurance with a heart attack history:
1. Damage To The Heart.
The more information regarding the damage to the heart, the more favorable your underwriting assessment will be. Underwriters want to see stress EKG’s (not resting EKG’s) and other cardiovascular testing beyond what is required by the insurance company. Ambiguity is not rewarded in life insurance underwriting. Our best offers come from those with detailed follow up regarding damage to the heart.
2. Excellent Follow Up.
The underwriters will look at your follow up as indicated in your medical records. They want to see that you’re doing everything that can be done to prevent further complications. This includes:
- Positive lifestyle habits such as exercising and eating healthy.
- Regular medical follow up – they like to see consistency.
- Use of preventative medications and dietary supplements.
- Monitoring and controlling blood pressure and cholesterol.
- If you use to smoke, they want to see that you’ve quit.
Seeing excellent follow up after a heart attack can lead to substantial underwriting improvements.
Many consumers with a heart attack history tell us “I’m much better now” and that may be the case, but it doesn’t mean anything unless it’s documented by your doctors and you show consistency and compliance to your suggested regiment.
While having a heart attack in the past doesn’t mean that you’re automatically in poor health, but it means you’re at a higher risk for having more health problems. If you’re looking to get life insurance and you’ve had a heart attack in the past, it can be difficult to get affordable life insurance protection, but it’s not impossible.
If you’ve had a heart attack and are looking for life insurance, we invite you to give our team at Rootfin a chance to earn your business. While most agents will roll their eyes when they hear the words “heart attack”, we have the experience and knowledge to pinpoint the best plan on the market and welcome the challenge!
Our agents have years of experience working with various insurance companies across the United States. Not only can we help you find the lowest insurance rates, but we can also walk you through the application process and answer any questions.
As an applicant with a history of a heart attack, you might have concerns with getting life insurance. Our agents can decide if a no exam plan might be better.
A no exam life insurance plan, will give you life insurance without being required to take the medical exam. These plans are an excellent way to get insurance protection even if you’ve had a heart attack, but they are going to cost more in monthly premiums. If you want cheap coverage, you’re going to have to take the medical exam, it’s as simple as that.
No exam is expensive, but it’s quick. You can complete the application and get a decision in a matter of days. If you want a normal policy, you will wait several weeks. If you’re looking for speed, then choose a no exam policy, but is the speed worth the extra cost?
Even if you don’t qualify for a no exam policy, you can still buy a guaranteed issue plan. Nobody is declined for these policies. They only provide minimum protection, but it’s better than no coverage.
Life insurance is the most important safety net that you’ll ever purchase for your family. Regardless of your health or a heart attack, you should be able to get the most affordable coverage available to you.
Still confused about getting life insurance after a heart attack? Don’t worry, we are here to assist you. Sure, you could read dozens of articles, call agents, and compare plans yourself, but you don’t have to be an insurance expert. We are here to be your experts.
We can help you compare all those plans head-to-head. Why make it more difficult than it has to be?
