Life Insurance for Cardiomyopathy
Over 100 Carriers to Quote From. Here are a few of them!
At Diversified Insurance Brokers, we specialize in helping clients with cardiomyopathy secure life insurance coverage, even if they’ve been declined elsewhere. With access to over 100 top-rated carriers and decades of high-risk underwriting experience, we know which companies are most flexible, how to present your medical history, and how to secure the most competitive offers.
Life Insurance with Cardiomyopathy
If you’ve been diagnosed with cardiomyopathy, it doesn’t mean you’re uninsurable. At Diversified Insurance Brokers, we specialize in helping clients with cardiac conditions find affordable coverage tailored to their specific needs.
Speak with an expert who understands life insurance needs for high-risk cardiac profiles.
How Cardiomyopathy Affects Life Insurance
- Type: Dilated, hypertrophic, restrictive, or arrhythmogenic right ventricular.
- Severity: Ejection fraction (EF) levels and stability over time.
- Symptoms: Presence of shortness of breath, chest pain, fatigue, or syncope.
- Underlying Causes: Genetic factors, hypertension, coronary artery disease, or prior heart attack.
- Treatment & Management: Medications, implanted devices (ICD, pacemaker), or surgical history.
Who This Coverage Is Best For
- Individuals with stable EF readings and no recent hospitalizations.
- Applicants with well-managed symptoms under regular cardiology care.
- People who have been declined elsewhere but have updated favorable test results.
What Improves Offers
- Documented improvement or stability in EF over time.
- Regular cardiology follow-up with consistent records.
- No recent cardiac events or ER visits.
- Non-smoker status and well-controlled blood pressure and cholesterol.
Typical Outcomes We See
- Mild/stable cases: Standard or table-rated approvals possible.
- Moderate cases with improvement: Often table-rated but still insurable.
- Severe cases: May require guaranteed issue or graded death benefit coverage.
Every case is different—we match you with carriers most likely to approve your application.
Why Work With Diversified Insurance Brokers
- Access to 100+ A-rated carriers: Maximizes your approval chances.
- Cardiac underwriting expertise: We know how to present your case favorably.
- Fast, confidential process: We gather your records once and shop the market.
- Custom solutions: Term, whole life, or guaranteed options based on your needs.
Example Case
A 60-year-old non-smoker with dilated cardiomyopathy and EF of 45% was declined twice elsewhere. We placed a $250,000 10-year term policy at a moderate table rating—saving him over $600/year compared to other offers.
Start your confidential review: Submit your cardiomyopathy life insurance request and let us shop the market for you.
FAQs: Life Insurance for Cardiomyopathy
Can I get life insurance if I have cardiomyopathy?
Yes—even with cardiomyopathy you can often secure coverage. Whether you’re approved depends on factors like how severe the condition is, how well your heart is functioning, and how stable your health has been under treatment.
What types and severity matter most?
Insurance companies consider the specific type of cardiomyopathy (dilated, hypertrophic, restrictive, arrhythmogenic), your ejection fraction (EF) and whether it’s stable over time, how many symptoms you have (like fatigue, shortness of breath, fainting), and whether you’ve had hospitalizations or complications linked to it.
What improves my chances of getting better terms?
Keeping EF stable or showing improvement, staying under regular cardiology care, avoiding recent cardiac events, maintaining good overall health (blood pressure, cholesterol, etc.), and being a non-smoker help a lot.
What kind of rates or policy outcomes can I expect?
For mild or stable cases, standard or table-rated policies may be possible. Moderate cases with some improvement may still get insured but with higher premiums. More severe or unstable conditions might require policies with graded benefits or guaranteed issue options.
Who tends to receive the best offers among applicants with cardiomyopathy?
Those with stable ejection fraction, no recent hospitalizations, managed symptoms, clear medical documentation, non-smokers, and regular cardiology follow-ups tend to get the most favorable terms.
Why work with a broker for cardiomyopathy cases?
A broker experienced in high-risk cardiac underwriting can help present your case effectively, choose carriers more flexible with cardiomyopathy, interpret and submit medical test results properly, and shop across many insurers to find more competitive offers.
