Life Insurance for Heart Disease
Over 100 Carriers to Quote From. Here are a few of them!
At Diversified Insurance Brokers, we help clients with heart disease find life insurance coverage—even if they’ve been turned down before. With access to over 100 top-rated carriers and decades of high-risk underwriting experience, we know how to present your case in the best light to secure affordable coverage.
Life Insurance with Heart Disease
If you’ve been diagnosed with heart disease, it doesn’t mean you’re uninsurable.
At Diversified Insurance Brokers, we specialize in helping clients with cardiac conditions find affordable, personalized life insurance coverage.
Speak with an expert who understands high-risk life insurance for cardiac health conditions.
How Heart Disease Affects Life Insurance
- Type of Heart Disease: Coronary artery disease, congestive heart failure, arrhythmias, or valve disorders.
- Severity: Blockage percentage, heart function (ejection fraction), and symptom control.
- History of Events: Heart attacks, bypass surgery, angioplasty, or stent placement.
- Ongoing Treatment: Medications, lifestyle changes, and follow-up care with a cardiologist.
Who This Coverage Is Best For
- Applicants with stable heart health and regular follow-ups.
- Individuals managing risk factors like high blood pressure and cholesterol.
- Those previously declined who have updated medical records showing improvement.
What Improves Offers
- Recent stress test or echocardiogram showing stable or improved heart function.
- Non-smoker status and controlled blood pressure/cholesterol.
- No hospitalizations or cardiac events in the past 12–24 months.
Typical Outcomes We See
- Mild, stable cases: Standard or slightly rated approvals possible.
- Moderate, managed cases: Table-rated coverage with competitive pricing.
- Severe or unstable cases: Guaranteed issue or graded benefit plans available.
Why Work With Diversified Insurance Brokers
- Access to 100+ A-rated carriers: Maximizes your approval odds.
- Specialized in cardiac cases: We know which insurers are most lenient.
- Streamlined process: We handle the underwriting details for you.
- Confidential and professional: Your privacy is our priority.
Example Case
A 58-year-old non-smoker with a history of stent placement 5 years ago was quoted high rates by multiple carriers. We matched him with a company specializing in stable cardiac cases and secured a $500,000 15-year term policy at a moderate table rating, saving over $800 annually.
Start your confidential review: Submit your heart disease life insurance request and we’ll shop the market for you.
FAQs: Life Insurance for Heart Disease
Can I get life insurance if I have heart disease?
Yes—approval is often possible. Outcomes depend on the specific diagnosis (e.g., coronary artery disease), time since diagnosis or events, treatment results, and current control of risk factors.
What do insurers evaluate for heart disease?
They review event history (heart attack, stents, CABG), ejection fraction (EF), stress test or imaging results, symptoms, medications, cardiac rehab, and comorbidities like diabetes, hypertension, or high cholesterol.
Do I need a waiting period before applying?
Many carriers prefer a stability window after major cardiac events—commonly 6–12 months—with clean follow-ups. Offers tend to improve after 1–2 years of good control and normal testing.
What rates or classifications are typical?
Expect some rating initially. Single, well-treated disease with good EF and normal stress tests may reach standard or near-standard over time. Recent, recurrent, or complicated disease usually faces higher ratings or restrictions.
Which policy types are available?
Traditional term or permanent coverage may be available after stabilization. If recent or documentation is limited, simplified-issue or graded-benefit policies can bridge until you qualify for full underwriting.
How can I improve approval odds and pricing?
Complete rehab, keep BP, lipids, A1c, and weight on target, stay tobacco-free, follow meds, maintain regular cardiology follow-ups, and provide recent tests showing stable EF and exercise tolerance.
Diversified Insurance Brokers specializes in helping high-risk applicants secure coverage, even after serious health conditions.
