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

Term life insurance with heart disease risk factors is available but at a higher cost. Affordable life insurance for heart disease patients can be found, but life insurance rates are the lowest if you buy when you're young and healthy. Life insurance rates can vary based on heart conditions, so you might pay more for life insurance after a heart attack than if you have high blood pressure. Before you buy term life insurance with heart disease risk factors, always compare quotes.

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

Full Bio →

Written by

Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Dec 14, 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 are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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.

Quick Facts

  • Purchasing life insurance with a heart condition is often possible but does depend on the heart condition.
  • Life insurance rates after a heart attack or being diagnosed with a heart condition will likely be more expensive.
  • Term life insurance is likely the best life insurance policy for those with heart disease risk factors.


Life insurance companies sometimes refuse to insure people with specific health conditions. Your term life insurance quotes will also depend on your overall health. So, can you get term life insurance with heart disease risk factors?

Finding life insurance with heart disease risk factors can subject you to higher rates after a life insurance application denial. Life insurance rates with a heart condition can also be significantly higher than average.

Can you get term life insurance if you have a heart disease risk factor? We’ll help you understand your options for finding term life insurance for heart patients, how to find the right term life insurance policy with heart disease risk factors, and how heart disease can impact life insurance rates.

Wondering how to get affordable term life insurance with heart disease risk factors? In just a few clicks, you can get quotes for term life insurance with heart disease risk factors using our FREE quote tool above. Just enter your ZIP code!

Can you get life insurance with heart conditions?

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.

Purchasing life insurance with heart disease or circulatory issues is usually possible, but 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 life insurance 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, 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 several 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 preexisting heart condition or health insurance after a heart attack it will be difficult.

So, can I get life insurance with heart disease or heart problems? Yes, but even if you can’t be denied health insurance for preexisting conditions, health insurance and life insurance for heart patients will be expensive.

Because of the shorter commitment, sometimes term life insurance is the most affordable option if you have a health condition. What kind of term life insurance is right for you?

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 preexisting condition, and don’t insurance companies have to accept preexisting conditions?  The simple fact is that life insurance companies do not.

There are many different heart conditions that can cause concern for life insurance companies. So, what types of heart conditions and circulatory diseases does life insurance cover?

Below, we have a basic list of conditions that are typically covered by life insurance companies.

  • Aortic Aneurysm
  • Angioplasty Surgery
  • Aortic Valve Stenosis
  • Arrhythmias (bradycardia, tachycardia, bundle branch blocks, etc.)
  • Bypass Surgery
  • Congestive Heart Failure
  • Heart Attack (Myocardial Infarction)
  • Heart Murmur
  • Hypertension
  • Mitral Valve Prolapse
  • Pulmonary Embolism

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

How does heart disease affect life insurance?

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.

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.

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, 20-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.

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

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 that gives you a 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.

How do life insurance rates change with heart conditions?

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 precursors 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 visits, your medications, and any preventative measures you are taking for yourself.

Some life insurance companies offer no medical exam term life insurance. In simplest terms, this type of insurance is offered without providing the company the specifics of your condition(s). This could be an option for certain heart conditions.

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Can heart attack survivors get life insurance?

Can you get life insurance after a heart attack? Does life insurance cover a heart attack? The simple answers are 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 manage your expectations.

With congenital heart disease, life insurance will be more expensive. It’s reasonable that life insurance after a heart attack rises in cost.

However, you should still 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 an excellent plan. If you have indicators for heart problems, start addressing them with exercise and diet. How many comments 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 life insurance policy costs?

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Can you get life insurance with coronary heart disease?

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 can detect blockages early and manage the issue by implanting stents.

In these instances you might 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?

What types of life insurance are the best for people with heart conditions? Because of the overwhelming range of severity in heart conditions, the best life insurance policy type will depend on your condition.

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. How much does life insurance cost with a heart condition?

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 Average Monthly Life Insurance Rates$100,000: Female Average Monthly Life Insurance Rates$250,000: Male Average Monthly Life Insurance Rates$250,000: Female Average Monthly Life Insurance Rates$500,000: Male Average Monthly Life Insurance Rates$500,000: Female Average Monthly Life Insurance Rates
25$11.03$10.02$22.10$12.91$23.19$19.04
30$11.12$10.07$15.31$13.02$23.85$19.26
35$11.12$10.07$15.42$13.02$24.07$19.26
40$12.65$11.12$17.94$15.21$29.10$23.63
45$14.57$13.31$21.55$19.69$36.32$32.60
50$18.60$17.20$30.19$27.02$53.60$47.26
55$24.51$20.61$42.88$34.35$78.98$61.91
60$35.88$27.48$71.10$50.86$135.41$94.94
65$51.06$37.76$109.82$75.14$212.85$143.51
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.

Can you get 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.

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 compare rates for term life insurance with heart disease risk factors today using our FREE quote tool below. Just enter your ZIP code to get started.

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