A heart condition doesn’t disqualify you from life insurance — but it does change which company you should apply to. Coronary artery disease, a past heart attack, stents, or bypass surgery are all insurable, and many people who assume they’ll be denied are approved every year, often at far better rates than expected. The catch: cardiac underwriting varies enormously between carriers, so applying to the wrong one is the fastest route to a denial or an inflated premium.
Get My Rate Get My Case Reviewed
A single heart attack with good recovery and normal follow-up testing frequently qualifies for a Standard or lightly Table-rated offer. More significant disease may be Table-rated (a set percentage above standard) or best served by a guaranteed-issue or simplified-issue policy that asks no medical questions and cannot be declined for health. We’ll tell you honestly where you’re likely to land before you apply.
A denial with one carrier is not the end of the road — it usually just means the application went to a company whose guidelines didn’t fit your history. We re-shop your case with carriers known to be friendly to cardiac applicants, and where fully underwritten coverage isn’t available, we can place guaranteed-issue coverage that no one can decline.
Free, no-obligation, and no impact on your record. We pre-screen your case with multiple carriers so you only apply where you’re likely to be approved.
Or call 760-585-4268
Yes. Once you’re stable (usually 6–12 months out) many carriers will offer coverage; before that, guaranteed-issue options are available with no health questions.
No. Declines usually come from applying to the wrong carrier. Matching your history to a cardiac-friendly insurer is what prevents a denial.
Usually far less than people expect — see our pages on life insurance with high cholesterol and high blood pressure.
Prefer to read first? See our full guide: Life insurance with heart disease, after a heart attack, or high cholesterol.
A heart condition doesn’t disqualify you from life insurance — but it does change which company you should apply to. Coronary artery disease, a past heart attack, stents, or bypass surgery are all insurable, and many people who assume they’ll be denied are approved every year, often at far better rates than expected. The catch: cardiac underwriting varies enormously between carriers, so applying to the wrong one is the fastest route to a denial or an inflated premium.
Get My Rate Get My Case Reviewed
A single heart attack with good recovery and normal follow-up testing frequently qualifies for a Standard or lightly Table-rated offer. More significant disease may be Table-rated (a set percentage above standard) or best served by a guaranteed-issue or simplified-issue policy that asks no medical questions and cannot be declined for health. We’ll tell you honestly where you’re likely to land before you apply.
A denial with one carrier is not the end of the road — it usually just means the application went to a company whose guidelines didn’t fit your history. We re-shop your case with carriers known to be friendly to cardiac applicants, and where fully underwritten coverage isn’t available, we can place guaranteed-issue coverage that no one can decline.
Free, no-obligation, and no impact on your record. We pre-screen your case with multiple carriers so you only apply where you’re likely to be approved.
Or call 760-585-4268
Yes. Once you’re stable (usually 6–12 months out) many carriers will offer coverage; before that, guaranteed-issue options are available with no health questions.
No. Declines usually come from applying to the wrong carrier. Matching your history to a cardiac-friendly insurer is what prevents a denial.
Usually far less than people expect — see our pages on life insurance with high cholesterol and high blood pressure.
Prefer to read first? See our full guide: Life insurance with heart disease, after a heart attack, or high cholesterol.
