Life Insurance for Heart Attack
Over 100 Carriers to Quote From. Here are a few of them!
At Diversified Insurance Brokers, we help clients with a history of heart attack (myocardial infarction) secure affordable life insurance. With access to 100+ top-rated carriers and decades of cardiac underwriting experience, we know which insurers are most flexible—and how to position your case for the best possible offer.
Life Insurance with Heart Attack History
If you’ve experienced a heart attack, it doesn’t mean you’re uninsurable.
At Diversified Insurance Brokers, we specialize in helping clients with complex medical histories find affordable coverage tailored to their needs.
Speak with an expert who understands high-risk life insurance cases.
How a Heart Attack Affects Life Insurance
Underwriters will review:
- Time Since MI: Many carriers want 6–12 months of stability; longer is better.
- Severity & Treatment: Number of vessels, stent(s)/CABG, ejection fraction, cardiac rehab.
- Follow-Up Care: Stress tests, imaging, normal labs, cardiology notes, med adherence.
- Risk Factors: Blood pressure, lipids, diabetes/A1C, BMI, tobacco status, family history.
- Symptoms: Absence of chest pain/angina and ER visits since the event.
Who This Is a Good Fit For
- Applicants with a single MI and no symptoms, showing strong follow-up results.
- Non-smokers with controlled BP/lipids and good exercise tolerance.
- People previously declined who now have updated, favorable cardiology records.
Typical Outcomes We See
- 12–24 months post-MI, clean follow-up: Standard to Table rates possible.
- Multiple stents/CABG but stable: Often insurable with moderate ratings.
- Recent MI or ongoing symptoms: May need a waiting period before approval.
Every case is unique—our team pre-shops carriers most likely to approve your profile.
Why Work With Diversified Insurance Brokers
- 100+ A-rated carriers: More options = better approval odds and pricing.
- Cardiac underwriting expertise: We package your records to minimize extra ratings.
- Fast, confidential process: We gather the right docs once and negotiate for you.
- Policy choice: Term or permanent coverage tailored to your budget and goals.
Example Case
A 56-year-old male, non-smoker, single MI with two stents, EF 55%, excellent follow-up, on statin/ACE inhibitor. Another agency projected a heavy table rating. We placed a $500,000 15-year term at Standard Non-Smoker—about $640/year less than his next best offer.
Start your confidential review: Submit your heart attack life insurance request and we’ll shop the market for you.
FAQs: Life Insurance for Heart Attack
Can I get life insurance after a heart attack?
Yes—many people qualify after a heart attack (myocardial infarction). Eligibility and pricing depend on time since the event, follow-up test results, current treatment, and overall risk factors.
What cardiac details matter most to underwriters?
Age at the heart attack, number of vessels involved, whether you had stents or bypass surgery, ejection fraction (EF), stress test or imaging results, cardiac rehab completion, symptom control, and ongoing meds (e.g., statins, beta-blockers).
How long should I wait to apply after an MI?
Many carriers want stability first—often 6–12 months after the event with documented recovery. Offers typically improve after 1–2 years if follow-ups are clean and risk factors are well controlled.
What outcomes or rate classes are typical?
Expect some rating at first. With a single, uncomplicated MI, good EF, normal stress tests, and strong control of risk factors, standard or near-standard may be possible over time. Recent or complicated cases may see higher ratings or limited options.
Which policy types are available after a heart attack?
Term or permanent policies are often available once stable. If the MI was recent or documentation is limited, simplified-issue or graded-benefit policies can serve as a bridge until you qualify for traditional underwriting.
How can I improve my approval odds and pricing?
Complete cardiac rehab, keep BP, lipids, A1c, and weight in target ranges, remain tobacco-free, follow medications, get regular cardiology follow-ups, and provide recent test results showing stable EF and good exercise tolerance.
Diversified Insurance Brokers specializes in helping high-risk applicants secure coverage, even after serious health conditions.
Talk With an Advisor Today
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Licensed in all 50 states • Fiduciary, family-owned since 1980
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
