Can you get term life insurance with heart disease risk factors?

Term life insurance with heart disease risk factors is available but may cost more. Affordable life insurance for heart disease patients or people with a family history of heart disease can be found, but life insurance rates are the lowest if you buy when you're young and healthy. Start shopping for life insurance online with our free quote comparison tool below.

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states. Born in Haiti. Reared in Brockton, MA. Matured in Philadelphia. Schimri is a proud graduate of Arcadia University, having earned both a Masters in Special Education and an MFA in Creative Writing from the castle-riddled campus in Glenside, PA. By personality and by profession, Schimri is an educator...

Full Bio →

Written by

UPDATED: Oct 22, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We partner with top life insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

What health conditions affect life insurance? Probably one of the most obvious is heart disease.

Finding low life insurance rates with heart disease risk factors can seem daunting. 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. We want to help you find term life insurance if you have heart disease risk factors.

Understanding how term life insurance companies look at your heart as well as knowing the types of term life insurance is an important step in finding affordable coverage, but is that enough? Can you get term life insurance if you have a heart disease risk factor?

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 for term insurance with heart disease risk factors.

To get affordable term insurance with heart disease risk factors, use our FREE instant quote tool to get term insurance quotes with heart disease risk factors.

Table of Contents

Heart Conditions and Life Insurance

Can you get life insurance with a heart condition? Before we determine the answer to this question, we first have to understand what qualifies as a heart condition. It’s also important to realize that even early indicators of heart risk can create issues for you when trying to qualify for the best rates.

According to the Centers 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.

Sometimes, there isn’t much you can do but pay a higher premium. For congenital heart disease life insurance coverage for a child, many insurers are available to provide coverage, but it comes at a higher cost. In these cases, shopping around to find the right insurance company and  comparing a number of providers might be the only way to keep premiums manageable.

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.

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

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. Also, life insurance does not work like health insurance.

While you might wonder, is heart failure a pre existing condition and don’t insurance companies have to accept pre existing conditions?  The simple fact is that life insurance companies do not.

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.

Even risk indicators can mean higher cost life insurance regardless of health. Paying attention to your cholesterol levels and managing your stress, weight, and high blood pressure can help you qualify for great rates.

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Life Insurance for Heart Disease Patients

Can you get term life insurance if you have a heart disease risk factor?

If you’re looking for life insurance with a heart condition here’s the first thing you should know: 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.

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.

How Does Exercise Strengthen Your Heart

Can you get life insurance if you have heart problems and qualify for low rates or is it a lost cause? In many instances, recovery from heart-related problems can be managed.

Regular exercise can help lower your blood pressure, reduce your stress levels, and keep your cholesterol from skyrocketing. Even a simple, high paced, twenty-minute walk per day can keep you from gaining weight and give your heart enough exercise.

Coupled with a healthy diet and avoidance of alcohol, smoking, and caffeine, you can get your heart strong. With enough time, you can reapply for low-cost term insurance and have a great chance of qualifying for a lower rate.

Living with Heart Disease

Living with heart disease doesn’t mean that you have to live in discomfort forever. In many cases, you can even strive to get in great enough shape to come off of medications.

Regular follow-ups with your cardiologist are important to ensure you can find issues in the earliest stages before you experience bigger issues.

If you are not sure how to achieve a healthy lifestyle to give you the best chances for great quality of life, visit a nutritionist and work with a personal trainer. Set measurable goals for your weight, blood pressure, and cholesterol, and work hard to meet these goals.

Life Insurance for Someone with Heart Disease

Can you get life insurance with a heart condition?  The simple answer is yes, but it will cost you.  If you have a history of heart disease, your insurance options might be limited.

However, there are ways you can get ahead of things to keep your rates lower. First and foremost, if you have a family history of heart disease, you should acquire insurance when you are younger.

The younger you are, the healthier you are. This means it will not only be easier to qualify for affordable term insurance but since you likely won’t have heart disease red flags like high cholesterol or blood pressure you can qualify for the best rates possible.

If you’ve already waited too long and have had heart issues to contend with, the first thing to do is work to get healthy. You may need to acquire a short-term policy that might be costlier, but as the years go by, if you keep on top of your health, you can try to qualify for lower rates.

Insurance companies can be willing to reassess your health risks but you should have a well-documented history of your doctor vists your medications, and any preventative measures you are taking for yourself.

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Life Insurance For Heart Attack Survivors

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. With congenital heart disease, life insurance will be more expensive.
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 a heart attack? How much more will you pay in heart attack insurance policy costs?

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Coronary Heart Disease Stents And Life Insurance

Sometimes you don’t have a heart attack, but you may have an issue with your heart that is recognized and remedied in advance of more serious issues. Today, cardiologists are able to detect blockages early and manage the issue by implanting stents.
In these instances, you can wonder, can you get life insurance with congestive heart failure? Will you lose the opportunity to qualify for cheaper insurance if you get a stent implant?

Similar to obtaining life insurance after a heart attack, your best bet is to manage your health in coordination with your doctor. Exercise, diet, meditation, and staying on top of your medications can help you maintain great health which in turn can help you qualify for cheaper insurance.

How can you get the best life insurance rates?

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
Get Your Rates Quote Now

Compare RatesStart 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.

Term Life Insurance With Heart Disease Risk Factors: 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.

Instead of getting stuck wondering how you can get life insurance with heart disease risk factors, get ahead of the problem and start shopping right now.

Ready to find the best life insurance after a heart attack? We can help you buy life insurance with heart disease risk factors now. Use our FREE instant rate generator below.


Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

QuickQuote is a BBB Accredited Business. QuickQuote Financial, Inc. BBB Business Review