Can You Get Term Life Insurance if You Have Heart Disease Risk Factors?

Affordable term insurance for heart patients or people with family history of heart disease doesn't have to be out of reach. By purchasing insurance early you can lock in rates as low as $11.03/mo and stay protected if heart complications become more problematic in the future.

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Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites...

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UPDATED: Aug 12, 2020

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As if having a heart condition or related risk factor isn’t unnerving enough, finding affordable term insurance for heart patients could compound the stress of having a medical issue with the concern of leaving your family unprotected if something should happen. 

Understanding how term life insurance companies look at your heart is an important step in finding affordable coverage but is that enough? If you have a heart condition or even a family history of a heart condition, you may be subject to higher rates or denial of coverage. 

We want to help you understand your options for finding term insurance for heart patients and not only save you money and stress but get you started right now with finding the right insurance company and the right rate. 

In fact, click on our free instant quote tool to get a real quote from a top insurance company first and then read on to learn about finding term insurance for heart patients. 

What are serious heart conditions?

According to the Center for Disease Control, heart disease is the leading cause of death in the United States. So when you are thinking about what medical conditions affect life insurance, serious heart conditions are at the top of the list. 

The most common type of heart condition is coronary artery disease which often leads to a heart attack. 

Other serious heart conditions can include atrial fibrillation or atherosclerosis or even congenital heart disease. When it comes to life insurance, your insurance company will weigh your individual risk metrics before providing coverage.

The type of heart disease you have will also factor in. For instance, life insurance for someone with congestive heart failure might be more of an issue than someone with well managed atrial fibrillation.

For instance, for congenital heart disease insurance coverage for a child, many insurers are available to provide coverage at a higher cost. However, finding the right insurance company might mean comparing a number of providers. 

According to the American Heart Association, finding life insurance for people with heart conditions can be easier to find if you establish coverage early and maintain coverage throughout your life, similar to establishing and maintaining health insurance.

For example, health insurance might be obtainable through an employer plan when you first start working. If you need health insurance later in life for a pre existing heart condition or health insurance after a heart attack it will be difficult. 

Even if you can’t be denied health insurance for pre existing conditions, health insurance for heart patients will be expensive. 

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What is considered heart disease for life insurance?

When you apply for insurance, you’ll need to share your medical history (and family medical history) by answering questions on the application. 

You’ll also need to undergo a paramedical exam that includes blood tests, a blood pressure check, and urinalysis. 

Depending on your age, history, and the amount of coverage requested (if larger than normal), the insurance company might also ask you to go through an electrocardiogram (EKG) and/or a stress (treadmill) test to further evaluate your heart health.

Realize that all insurance companies have different policies and procedures, so the requirements, considerations, and rates will vary from one to another.

What is important to remember is that when you are trying to get life insurance, you want to qualify for the lowest rate possible. Insurance companies don’t need to wait for a heart disease diagnosis to deny you the best rates. 

Certain indicators like obesity, high cholesterol, and high blood pressure could signal warning signs. Coupled with a family history of heart disease, an insurance company could deny you super preferred rates. 

How Can You Get the Best Life Insurance Rate?

If you’ve avoided looking into life insurance because of the cost, you might be pleasantly surprised if you explore the option of term life insurance

You’ll need to go through the same type of health assessments as you would when applying for whole life insurance, but term life policies offer premiums that could be substantially lower. They’re simple, straightforward policies without the bells and whistles that run up premium rates.

The table below gives you an idea of exactly how much you might expect to pay if you get the top preferred rates from an insurer. Life insurance risk factors will cause these rates to increase. For instance, cardiovascular disease quotes or heart disease quotes will be higher than the rates below as you might expect.

Average Monthly Life Insurance Rates for Top 10 Insurers by Age, Gender & Policy Amount
Age$100,000: Male$100,000: Female
25$11.03$10.02
30$11.12$10.07
35$11.12$10.07
40$12.65$11.12
45$14.57$13.31
50$18.60$17.20
55$24.51$20.61
60$35.88$27.48
65$51.06$37.76
Get Your Rates Quote Now

You can quickly and easily get preliminary term life insurance quotes online. To find out if a term life policy might be the right choice for you and your family, talk with a trusted insurance professional who can explain how it works and answer your questions.

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If You’re Thinking About Applying for Life Insurance with Heart Problems, Keep These Two Things in Mind

  1. You need to be completely honest about your current health status and medical history.

What happens if I lie on my term life insurance application?

Lying, misleading, or omitting crucial information about your health will likely get you rated at a higher premium or denied a policy. And if you’re granted a policy, die, and the insurance company discovers you lied or misrepresented information on your application, it could either lower the benefit your family receives or the company will altogether refuse the claim.

  1. Although you may not be able to help that you have a heart condition or risk factor, doing what you can to keep issues under control will work in your favor.

For example, if you have blood pressure that’s typically higher than the ideal normal reading of less than 120/80, you might consider seeing a doctor and getting it under control before you apply for life insurance. I have first-hand experience with this one. My blood pressure had been running high, but because I didn’t have other risk factors and was under a physician’s care to keep my BP under control, I still got a preferred plus rating when I applied for term life insurance.

The same goes for cholesterol levels. Total cholesterol (a measure of your HDL, LDL, and other components) of below 200 and a ratio of LDLs and HDLs of 5.0 or less are considered ideal. As with blood pressure, if your levels are outside of the preferred levels, getting them under control before applying for life insurance will serve your wallet well.

Life Insurance after a Heart Attack

Can you get life insurance after a heart attack? Does life insurance cover a heart attack? The simple answer is yes and yes. You can qualify for various life insurance plan options including term life, whole life, and guaranteed issue life insurance. You can expect whole life insurance after a heart attack or guaranteed issue life insurance to be much more expensive, so set your expectations. 

However, you should expect to shop around and perhaps even look outside of the top insurance companies to find smaller more specialized agents and insurance companies to help in your search. 

Preventative care is also the best plan. If you have indicators for heart problems, start addressing them with exercise and diet. How many quotes about heart failure have you heard wishing a person had quit smoking or exercised?

Waiting till after a heart attack can cost you in other ways. Getting health insurance after a heart attack can be problematic. What other costs would you have to think about? How much does car insurance go up after heart attack? How much more will you pay in heart attack insurance policy costs?

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Term Insurance for Heart Patients: The Bottom Line

Is a heart attack covered under term insurance? Of course. Can you get term insurance if you have had one, two, or three heart attacks? Possibly, although it will be more difficult the longer you wait. 

And so here is the bottom line when it comes to term insurance for heart patients. Don’t wait for heart problems with no insurance. Most heart conditions become more aggravated and harder to manage with age. Even with a family history of heart disease, you can lock in preferred rates if you apply for coverage when you are younger and healthier. 

With that being the case, why wait another day? Don’t wait for the best life insurance after a heart attack, get a great rate right now by using our free instant rate generator below. Get started today to save. 

References: 

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