If you have angina or chest pain and need life insurance, we will help you get the life insurance coverage you need.
Finding life insurance with heart disease is where RiskQuoter will help you.
Angina is chest pain that occurs when there is a decrease in the blood oxygen supplied to an area of your heart. Angina usually occurs after exertion, cold weather, stress, and sometimes after a heavy meal.
People with angina may feel chest pain, their chest squeezing, the muscles around the chest tightening, heartburn, weakness, numbness, etc.
Most people with angina will start to feel relief after resting or placing a nitroglycerin pill under their tongue.
Life Insurance Underwriting for Angina
Life insurance underwriters will want to know how your angina was diagnosed.
Were you diagnosed with angina after
- having an EKG or stress test performed?
- Diagnosed with angina after describing chest pain symptoms?
- Diagnosed with angina by an angiogram?
What to Expect from Angina Life Insurance Underwriting
Most life insurance companies will postpone you if you were diagnosed with angina within the past 6 months or if you have unstable angina.
Underwriting decisions will be based on your age currently as well as your age at time of angina diagnosis.
Underwriters also want to know how often you have chest pain.
Age 65 or Older – Life Insurance companies may offer you their standard life insurance rates plus an additional 50-75% markup, called a table rating.
Under Age 65 – Life insurance companies may offer you their standard life insurance rates plus a markup of 100% or more.
If you have underlying heart issues such as coronary artery disease, life insurance underwriters will be more interested in the extent of coronary artery disease than the chest pain from angina.
Every angina life insurance case we look at is different. The best way for us to provide you with accurate life insurance quotes is to have you complete our questionnaire.
We then contact you to discuss your specific angina history and to ensure that we provide you with the most competitive life insurance quotes possible regardless of whether you are looking for term life insurance or permanent life insurance.
At RiskQuoter there is Never any pressure or obligation with our life insurance service. We’ll give you the information you need to make an informed decision about your life insurance.