Profam.com Insurance Services
 

(844) 900-0058

Life Insurance For Heart Patients


heart electrocardiogramIf you've recently suffered from a heart attack or other heart problem such as a stroke or myocardial infarction, for example, you still can get life insurance coverage.

There are some insurance underwriters who will see your case more favorably than others and in order to find those underwriters merely takes some research on your part.

Get Your Own Quote!

Enter Zip Code for Life Insurance Quote:

Heart disease affects approximately 12 percent of the North American population. What's more, according to the Center for Disease Control and Prevention, statistics show that it is the number one killer disease within the nation.

Statistics from the American Heart Association show that 5.7 million men and women in North America suffer from heart failure every year.

Nevertheless, with continual medical improvements, more and more heart patients and people with heart problems have faster recovery times and survive far longer than in previous times. However, unsurprisingly insurance companies still view heart patients as a high risk category.

Thus insurance rates for those who have previously suffered from a heart attack or other severe heart condition do continue to reflect the severity of the disease. "Preferred" premium rates may not be possible, but "standard" premium rates are certainly obtainable.

Providing that you have undergone treatment for your heart condition and your particular condition is not regarded as being too severe (i.e. congestive heart failure) then you should be able to find affordable life insurance. Regardless of anything, should you have a family, you really ought to protect your family’s future financial needs first.

Have Heart Disease? Get Your Own Quote!

 

How is it possible to obtain the best life insurance rates after suffering from a heart attack or other chronic heart condition?

  1. Continue with the treatment that your doctor prescribes. Increase your level of exercise and focus on improving your diet.
  2. Keep your blood pressure and cholesterol at acceptable levels.
  3. Document your lifestyle improvements. In order to find the most affordable life insurance policy, you stand a better chance if you provide documentation about your amended lifestyle.
  4. If you've previously suffered from a heart attack, it's a sensible approach to wait for a while before applying for life insurance. The reason being is that if you can demonstrate an improvement in your health (due to your lifestyle changes such as regular exercise and a healthy diet) then the less chance there is of a further heart attack and thereby the insurance premium should be priced more competitively.
  5. After making the life insurance purchase, allow a year or two to pass then ask the company to review your health status. Be sure that your medical record clearly states any improvements in your health such as weight reduction, reduced cholesterol levels, blood pressure changes, etc. Insurance underwriters are likely to provide you with a more attractive rate if they see that you are working closely with your physician in order to improve your overall health.
  6. Do be sure to shop around. Life insurance being what it is, is a very competitive industry. The more you shop around, the better chance you will have to find the most appropriate life insurance policy to fit your needs at the best price available.

Have Heart Problems? Get Your Own Quote!


Video on Heart Disease and Heart Attacks


How Does The Heart Work?

About The Author

Peter has worked in the life insurance and financial industries for over 15 years, first starting as an actuary, but now, dedicated only to helping people find the right life insurance coverage for their situation.