Our high-risk life insurance underwriting expertise will help you get your best rate from life insurance companies that specialize in heart problems.
Heart Life Insurance
The following are the most common heart conditions we help.
- Abdominal Aortic Aneurysm
- Abnormal EKG
- Aortic Stenosis
- Atrial Fibrillation
- Bundle Branch Block
- Coronary Artery Disease
- Heart Attack
- Heart Bypass
- Heart Murmur
- High Blood Pressure
- Mitral Valve Prolapse
We’ll help you find the best life insurance company based on the heart condition you have.
How Do Heart Conditions Affect Life Insurance?
The type of heart condition, your age when diagnosed, treatment received and follow-up affect the availability and price of your life insurance.
In addition to your cardiac history, many other factors affect life insurance underwriting.
According to the CDC, about half of all Americans have at least one of the 3 major risk factors that cause heart disease.
Rated or Declined Due to Your Heart Problem?
Most people are still insurable even if you were previously denied life insurance due to heart problems.
In fact, the biggest reason why people get declined is due to working with the wrong insurance company.
How Does Heart Life Insurance Underwriting Work?
When you submit your quote request to us, here’s what happens next.
We’ll review your quote request and will ask you additional questions if necessary.
For many heart conditions, we’ll provide you with quotes as we discuss your insurance request.
For some heart issues, we use a quick quote process that allows us to reach out to life insurers for preliminary underwriting feedback.
Important Note – Make sure your cardiac follow-up testing is current. Underwriters penalize you severely if you’ve skipped your follow-ups!
If you have a family history of parents or siblings with heart disease, let us know as that could affect you with some life insurance companies.
Once we have underwriting feedback from companies, we’ll provide you with accurate quotes and help you decide what type of life insurance to buy.
With most heart cases, you will complete an application and paramedical exam, as well as health questions if you decide to move forward with the application process.
Please take a few minutes to complete your quote request today.