How To Get Life Insurance With Heart Disease [2024]
You can get term life insurance with heart disease, but acceptance and rates depend on your diagnosis. Learn how to get life insurance after heart attacks or find life insurance with heart conditions.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Feb 22, 2024
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.
UPDATED: Feb 22, 2024
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.
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- Term life insurance with heart disease risk factors is possible but depends on the condition
- Quoted premiums will vary based on the underwriting risk category
- You’ll need to disclose all of your symptoms, factors, and history when you apply
If you’ve been diagnosed with heart disease or have several risk factors, you’ll want to know whether you can get life insurance and how to pay for life insurance. If you are able to get this type of coverage to protect your family, is it likely to be a lot more expensive?
We know that you may be worried about your family’s future care, and we have investigated how heart disease risk factors can impact your life insurance rates to provide you with the answers.
Can you buy term life insurance with heart disease risk factors?
Yes, you will usually be able to get term life insurance for heart disease, but underwriters will want to analyze your specific risk factors and current condition. You may pay more depending on the nature of the disease, but you’ll want to shop around and compare life insurance quotes before you decide.
When you get term life insurance quotes, the company will typically issue them in blocks of time (typically five years each, for an overall term between 10 and 30). So, if you are looking at the overall cost, it may be more affordable to seek term life coverage with a shorter commitment instead.
Take a look at the table below to see how annual term life insurance rates vary by policy length:
Term Life Insurance Average Monthly Rates by Policy Length
Term length | Male | Female |
---|---|---|
10 years | $17 | $15 |
20 years | $29 | $24 |
30 years | $49 | $39 |
Life insurance policies with the shortest terms come with more affordable life insurance rates.
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How do you apply for life insurance with a heart condition?
When applying for life insurance, a company may ask you to undergo a physical exam and will consider key indicators like high blood pressure, high cholesterol, and obesity. (For more information, read our “How to Get Life Insurance With High Cholesterol“).
If you know that you have some of those indicators, it may be worth trying to control them before applying. For example, you may be able to work with your doctor to lower your blood pressure levels. If successful, you may be able to get lower rates on one of the types of term life insurance.
Read more: How Life Insurance Companies Determine Your Heart Health
What information do you need when you apply for life insurance with heart conditions?
If you have heart disease, life insurance applications will require a lot of detail. The company will want an accurate medical history, and you need to answer some specific questions.
For example, life insurance companies want to know when you were first diagnosed and how many hospital stays you have had. Insurers will also want to know about any symptoms you experience and their severity and frequency when considering life insurance with a heart condition.
How do you manage the symptoms daily? What type of treatment are you receiving now, if any, or might you require in the future? All these questions are essential when looking for life insurance with a heart condition, and you should be as clear and detailed as possible. Never gloss over any important information or understate the situation.
It is possible to get life insurance for heart condition patients, but full transparency is crucial. For example, an insurance company may refuse to honor a claim following your death if you lie on your insurance application, or if it finds out that your condition was worse than you initially claimed.
Read more: How To Get Life Insurance With High Blood Pressure
What are the underwriting risk categories for heart conditions and life insurance?
Insurance companies divide risk into different life insurance risk classes. These classes are broadly similar from company to company. When a company considers whether to issue life insurance for heart patients, it’ll want to know whether you fall into the super-preferred, preferred, standard, or substandard risk category.
For super-preferred, you must be in excellent overall health with no history of heart disease. Patients in the preferred category may take medication for high blood pressure or have a family history of the condition.
Although many people fall into the standard risk class, they should still be tobacco-free, while substandard policyholders can exhibit significant health conditions, and the company may still accept them. Read this article “How is My Term Life Insurance Rate Determined?” to learn more.
Understanding Life Insurance for Heart Conditions
You can get term life insurance after a heart attack and with other heart disease risk factors, but you need to shop around with at least three different companies.
You need to fully disclose your symptoms or risk factors to each company when you apply, but insurers will consider your specific heart condition and prognosis to determine your life insurance rates. Find out more about the best term life insurance companies in our article.
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Case Studies: Life Insurance With Heart Disease
Case Study 1: John’s Journey to Securing Life Insurance
John, a 45-year-old individual, was diagnosed with heart disease a few years ago. Concerned about the financial well-being of his family, he decided to explore options for life insurance coverage. Despite his medical condition, John was able to obtain term life insurance after carefully comparing quotes from multiple insurance providers.
By being transparent about his heart disease, providing accurate medical information, and working with an experienced insurance agent, John successfully secured life insurance coverage that would protect his loved ones.
Case Study 2: Lisa’s Experience With Underwriting Risk Categories
Lisa, a 37-year-old woman, had a family history of heart disease and was concerned about her eligibility for life insurance. She underwent a thorough evaluation by an insurance company, where her medical history, overall health, and risk factors were considered.
Although Lisa fell into the preferred risk category due to her family history and blood pressure medication, she was still able to obtain life insurance coverage. This case highlights how insurance companies evaluate applicants with heart disease based on various factors to determine eligibility and rates.
Case Study 3: David’s Approach to Managing Heart Condition Symptoms
David, a 52-year-old individual, had been living with a heart condition for several years. When applying for life insurance, he diligently provided detailed information about his medical history, including the time of diagnosis, hospital stays, symptoms, treatment, and daily management of his condition.
David understood the importance of transparency and ensured that he didn’t understate his situation. With full disclosure and accurate information, he successfully obtained life insurance coverage tailored to his specific heart condition.
Frequently Asked Questions
Can I get life insurance if I have heart disease?
Yes, it is possible to obtain life insurance even if you have heart disease. However, the availability and cost of coverage may vary depending on the severity of your condition and other factors.
Will my heart disease prevent me from getting life insurance altogether?
Having heart disease does not automatically disqualify you from getting life insurance. However, the insurer will assess your condition, medical history, and overall health to determine the risk involved in insuring you.
What factors do life insurance companies consider when evaluating applicants with heart disease?
Insurance companies typically consider factors such as the type of heart disease, its severity, your age, overall health, treatment history, medications, lifestyle choices, and compliance with medical advice.
What types of heart disease may affect my eligibility for life insurance?
Different types of heart disease may have varying impacts on your eligibility. Common conditions like coronary artery disease, heart attack, arrhythmias, and congestive heart failure may affect your coverage options.
How can I improve my chances of getting life insurance with heart disease?
While the decision ultimately rests with the insurance company, you can improve your chances by providing thorough and accurate medical information, maintaining a healthy lifestyle, following your prescribed treatment, and working with an experienced insurance agent.
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
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.